| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFIT GROUP LLC | 80 S EIGHTH ST #700 MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $40K | — | $40K | 2.25% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 8.00% |
| IRIS ANITA WEILER3 | 14690 GLENDALE AVE SE PRIOR LAKE, MN 55372 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $3K | $11K | — |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $2K | $8K | — |
| NATALIE SUZANNE FONVILLE3 | 1600 THOMAS AVE N MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | — |
| TR INSURANCE ADVISORS INC3 | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $400 | $3K | — |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | — |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 24586 PELICAN LAKE ROAD GLENWOOD, MN 56334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $471 | $3K | — |
| JAMES BUCKLEY3 | 937 WALL STREET MANKATO, MN 56003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $929 | $3K | — |
| ERIC LEE NOWAK3 | 13241 RIVERVIEW DRIVE NW ELK RIVER, MN 55330 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $14 | $3K | — |
| RODNEY JOSEPH STASKA3 | 223 57TH AVE NE WILMAR, MN 56201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | — |
| GLEN ALBERT LOTTHAMMER3 | 9833 45TH AVE SW RAYMOND, MN 56003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | — |
| BLUE SKY BENEFIT SOLUTIONS INC3 | 1500 39TH ST SOUTH SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $20 | $31 | — |
| JEFFREY JOSEPH SHAY3 | 713 22ND ST NE KASSON, MN 55411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $5 | $13 | — |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 321 | $1.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 354 | $248K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 354 | $248K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 354 | $248K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 354 | $248K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 354 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.