Christensen Group

2026 Employee Benefits Enrollment

An overview of the wide array of benefits provided by Christensen Group to help you enjoy increased wellbeing and financial security.

Enroll
CONTENTS
contact
Carolyn Evans
(952) 653-0088
cevans@christensengroup.com
Meghan Brown
(952) 653-0095
mbrown@christensengroup.com
Welcome to Your 2026 Employee Benefits Information Page

This page contains everything you need to know about your 2026 Employee Benefits, including enrollment links, helpful resources, videos, and contact information.
Your benefits are an important part of your overall well-being. Please take the time to review your options carefully and reach out with any questions — we’re here to help ensure you make the best choices for you and your family.

2026 Key Changes ‍

  • ‍Medical Premiums: Increase of 9%
  • Spousal Surcharge: $400/month (if spouse has other employer coverage but joins CG plan)
  • HSA Limits: $4,400 individual | $8,750 family
  • FSA Limits: $3,400 medical | $7,500 dependent care
  • Dental: CG contributes 50% of employee-only premium for all tiers
  • New for 2026: FedLogic support + Unum Accident, Critical Illness, and Hospital Insurance options
Your Enrollment Period
2026 Open Enrollment: November 10 -14, 2025
This is your opportunity to review, choose, or make changes to your benefits for the upcoming year. All selections must be completed during the open enrollment window.

Questions?
Please join us for an optional Q&A Session on Thursday, November 13th, from 10:30–11:30 a.m.
👉 Click here to join the Teams Meeting‍
How to enroll

All benefits elections are completed through Paylocity, our benefits administration tool.
Visit access.paylocity.com to view and submit your elections for the current enrollment period.

Don't remember how to access the Open Enrollment (OE) Portal? Read this knowledge center article for step-by-step directions.

New Employees Hired After December 1, 2025
New hires are eligible to enroll in benefits effective the first day of the month following their date of hire.

Plan resources
2026 Benefits Guide (PDF)
Download
HealthEZ Benefits Overview
Download
Copay Plan 1 - Summary of Benefits and Coverage
Download
HSA Plan 1 - Summary of Benefits and Coverage
Download
HSA Plan 2 - Summary of Benefits and Coverage
Download
Wellness Spending Account Guide
Download
Understanding Pharmacy Benefits
Download
Understanding Prior Authorization
Download
HealthEZ ID Card Explainer - APPO
Download
HealthEZ ID Card Explainer - Aetna
Download
Legal Notices
Download
Benefits Summary
What are employee benefits?

In short, employee benefits go beyond monetary compensation and serve as a crucial component of Christensen Group's total compensation package.

More specifically, employee benefits are a set of non-wage compensation offerings provided by employers to their employees in addition to their regular salaries or wages. These benefits are designed to enhance the overall well-being and job satisfaction of employees, demonstrating a commitment to their welfare beyond just their paycheck. Employee benefits encompass a wide range of offerings, including health insurance, retirement plans, paid time off (such as vacation and sick leave), wellness programs, tuition reimbursement, and more.

Employee benefits are crucial to you because they provide financial security through health insurance and retirement plans, improve the quality of life with paid time off and wellness programs, and offer a competitive advantage in the job market. Taking these benefits seriously ensures peace of mind in the face of unexpected life events and disabilities and positions individuals for job security, career advancement, and overall well-being.

Offered Benefits and Eligibility
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Medical Benefits
Updated

Medical benefits, often referred to as health benefits, provide coverage and financial support for various healthcare needs. These benefits typically include health insurance, covering a range of medical services and treatments, from doctor's visits and hospital stays to prescription medications and preventive care. Medical benefits are essential for you and your family, offering protection against unexpected medical expenses, promoting regular check-ups, and ensuring access to necessary healthcare, which is crucial for your physical and mental health.

Moreover, medical benefits often provide you with options for wellness programs and resources aimed at promoting healthier lifestyles and preventive care. These programs can include fitness memberships, mental health services, smoking cessation support, and nutrition guidance. Overall, medical benefits are a valuable and integral part of your compensation package, contributing to your well-being, financial stability, and peace of mind, while also fostering a healthier, more productive workforce.

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Check out the Christensen Group Health EZ portal to learn more about the new network and additional benefits.

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Frequent Questions
What is "In network" vs "out of network"?
What is a deductible?
What is "embedded" vs "non-embedded"?
What is "Out of Pocket Maximum (OOPM)"?
Health Saving Account (HSA)

Health Savings Account, is a tax-advantaged savings account that is designed to help individuals and families save money for qualified medical expenses. HSAs are available to individuals who are enrolled in a High Deductible Health Plan (HDHP), which is a type of health insurance plan with lower premiums and higher deductibles compared to traditional health insurance plans.

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Christensen Group offers two HPHPs (Plan Option 1: $3,400-80% HSA or Plan Option 2: $5,250-80% HSA). If you enroll in either of those plans, you have an option to save tax-free dollars for healthcare expenses in an HSA account.

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Frequent Questions
Who can use my HSA dollars?
Flexible Spending Account(s) (FSA)

A Flexible Spending Account (FSA) is a tax-advantaged financial account that allows individuals to set aside pre-tax dollars from their paycheck to pay for eligible out-of-pocket medical and dependent care expenses.

Employees are eligible for a full Medical FSA, regardless of plan choice, as long as they are not participating in an HSA.

Employees enrolled in a HDHP are eligible to enroll in a Limited FSA and/or a HSA account.

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Dependent Care Account (DCA)
Updated

A Dependent Care FSA account is a tax-advantaged financial account that allows employees to set aside pre-tax dollars from their paychecks to cover eligible dependent care expenses. They are specifically designed to help employees offset the cost of caring for their dependent children or adult dependents while they are at work or attending school.

Those who have children in daycare or care for a relative mentally or physically incapable of self-care and lives at home are eligible to set aside up to $7,500 dollars pre-tax to cover dependent care costs.

Wellness Account

Wellness Account. Christensen Group supports wellness initiatives and we encourage our employees to maintain an active, healthy lifestyle. To support our employees in their efforts to enjoy an active, healthy lifestyle, Christensen Group will be offering reimbursement up to a limit which is outlined below, each fiscal year in taxable and non-taxable income for certain eligible fitness expenses. The total wellness benefit available per fiscal year for benefit eligible employees* is as follows:

0-1 Years (Hired after June 30, 2025) - $500

1 Year and Over (Hired before June 30, 2025) - $750

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Dental Benefits
Updated

Dental benefits are designed to support and promote oral health. These benefits encompass dental insurance coverage, which helps you offset the costs of dental care, including routine check-ups, cleanings, X-rays, fillings, extractions, and more complex dental procedures. Dental benefits aim to make essential dental services more accessible and affordable, encouraging you and your family to maintain good oral health.

Dental benefits contribute to an individual's overall well-being by promoting regular dental check-ups, addressing dental issues promptly, and preventing oral health problems. By providing financial support for dental care, these benefits not only contribute to your physical health but also help you maintain a confident and healthy smile, which can positively impact your self-esteem and overall quality of life.

Vision Benefits

Vision Benefits  help you manage the costs associated with lenses, eyeglasses, and contact lenses. Vision insurance plans generally provide coverage for prescription lenses, and discounts on eyewear and contact lenses.

Note: Annual vision exams are covered under the Medical plan.

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Life Insurance & Disability Benefits

Life insurance provides a payout, typically called a death benefit, to a designated beneficiary upon the death of the policyholder. This insurance offers you a way to protect loved ones financially in the event of your passing. The death benefit can be used to cover various expenses, such as funeral costs, outstanding debts, mortgage payments, and income replacement, ensuring that your family is financially secure during a difficult time.

Life insurance is essential for individuals who want to safeguard their family's financial future and provide a safety net in case of an untimely death. It can offer peace of mind, knowing that loved ones will have the financial support they need to maintain their quality of life and meet ongoing financial obligations. Life insurance policies can also be used for estate planning, charitable giving, and other financial purposes, making them a versatile tool if you're seeking to protect your financial legacy and ensure that your loved ones are well taken care of in your absence.

Note: Voluntary Life and AD&D can be elected separately. However, to be eligible for AD&D or any other offered supplemental life and AD&D insurance, you must be enrolled in at least $10,000 of Voluntary Life coverage for yourself as the employee.

Additional Supplemental Insurance(s)
Updated

Accident Insurance Accident Insurance provides a set benefit amount based on the type of injury you have and the type of treatment you need. It covers accidents that occur on and off the job. And it includes a range of incidents, from common injuries to more serious events.

Critical Illness Insurance If you’re diagnosed with an illness that is covered by this insurance, you can receive a lump sum benefit payment. You can use the money however you want.

Hospital Insurance Group Hospital Insurance helps covered employees and their families cope with the financial impacts of a hospitalization. You can receive benefits when you’re admitted to the hospital for a covered accident, illness or childbirth.

Pet Insurance

Pet insurance is a type of coverage that helps pet owners manage the costs associated with veterinary care for their pets. Just like health insurance for humans, pet insurance provides financial protection in the event of unexpected illnesses or injuries that require medical attention for your pets.

To view the most current premium rates, please visit www.petinsurance.com.

FEDlogic
New Benefit

FEDlogic is an advocacy service that gives you access to a team of experts who can assist you in understanding federal and state benefit options. FEDlogic’s experts have worked for the Social Security Administration and have spent years mastering these policies from the inside out. Without education and advocacy, many individuals don’t take advantage of all the benefits available to them. FEDlogic’s experts can provide you with peace of mind, ensuring that you identify and maximize all of your benefits. FEDlogic does not sell, endorse, or promote any products or services. FEDlogic is a team of unbiased advocates with decades of experience, here to help!

To learn more visit their website here and use Employee Access Code: chri25

401(k) Plan

A 401(k) is a retirement savings plan sponsored by Christensen Group. It lets you save and invest a portion of your paycheck specifically for retirement. You may save either on a pre-tax or post-tax basis (Roth) basis. Generally, you may begin to withdraw your money from the plan after age 59½ without penalty.

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9855 West 78th St, Suite 100
Eden Prairie, MN 55344

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