| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC. | 9855 WEST 78TH STREET EDEN PRAIRIE, MN 55344 | UNITEDHEALTHCARE INSURANCE COMPANY | $124K | $0 | $124K | 1.84% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | $0 | $44K | 0.65% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP INSURANCE | 9855 WEST 78TH STREET EDEN PRAIRIE, MN 55344 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $60K | $14K | $74K | 9.56% |
| JENNON M CARUTH3 Filed as: JENNON M. CARUTH | 1331 HEATHER COURT CHANHASSEN, MN 55317 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 3.67% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 1.73% |
| JOSEPH HUTH4 | 3863 CRESTWOOD PLACE WHITE BEAR LAKE, MN 55110 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $1K | $0 | $1K | 21.21% |
| CHRISTENSEN GROUP INC4 Filed as: CHRISTENSEN GROUP, INC. | 9855 WEST 78TH STREET EDEN PRAIRIE, MN 55344 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $348 | $0 | $348 | 5.70% |
| LAMAR L. REYNOLDS4 Filed as: LAMAR REYNOLDS | 12619 MIDLAND CREEK DRIVE TOMBALL, TX 77377 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $90 | $0 | $90 | 1.47% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 619 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,023 | $6.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 619 | $770K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 619 | $770K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 619 | $770K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 619 | $770K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 619 | $770K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,023 | $6.7M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 619 | $776K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,023 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.