| 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 | $55K | — | $55K | 3.04% |
| 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 | $22K | $6K | $28K | 10.86% |
| CLARITY ENROLLMENT SOLUTIONS LLC3 Filed as: CLARITY ENROLLMENT SOLUTIONS | 7825 WASHINGTON AVE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 6.71% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $331 | $7K | 5.81% |
| IRIS ANITA WEILER3 | 14690 GLENDALE AVE SE PRIOR LAKE, MA 55372 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $155 | $6K | 5.01% |
| BLUE SKY BENEFIT SOLUTIONS INC3 | 1500 39TH ST SOUTH SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 2.76% |
| NATALIE SUZANNE FONVILLE3 | 1600 THOMAS AVE N MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $588 | $3K | 2.44% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $762 | $2K | 1.78% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.99% |
| WOLFGANG BELEANIS CORTEZ3 | 13805 53RD AVE N APT 5 PLYMOUTH, MN 55446 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $911 | $7 | $918 | 0.77% |
| TR INSURANCE ADVISORS INC3 | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $794 | $59 | $853 | 0.72% |
| TYLOR DOUGLAS NOLL3 | 13246 POSTIER DRIVE NW ORONOCO, MN 55960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $718 | $22 | $740 | 0.62% |
| JODI KAY HOLLAND3 | 1455 32ND ST S FARGO, ND 58106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $694 | — | $694 | 0.58% |
| ERIC LEE NOWAK3 | 13241 RIVERVIEW DRIVE NW ELK RIVER, MN 55330 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $581 | $73 | $654 | 0.55% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 24568 PELICAN LAKE ROAD GLENWOOD, MN 56334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $623 | — | $623 | 0.52% |
| JAMES BUCKLEY3 | 937 WALL STREET NORTH MANKATO, MN 56003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $508 | — | $508 | 0.43% |
| ZACKARY JAMES HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $387 | $61 | $448 | 0.38% |
| RODNEY JOSEPH STASKA3 | 223 57TH AVE NE WILLMAR, MN 56201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $438 | — | $438 | 0.37% |
| LAURA MARIE COOK3 | 6073 315TH ST STACY, MN 55079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $434 | — | $434 | 0.36% |
| GLEN ALBERT LOTTHAMMER3 | 9833 45TH AVE SW RAYMOND, MN 56282 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $351 | — | $351 | 0.29% |
| TRACY LEE BAILEY3 | 29717 131ST STREET PRINCETON, MN 55371 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $214 | $332 | 0.28% |
| JEFFERY LYLES3 | 3872 BALLANTRAE RD EAGAN, MA 55122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | $7 | $233 | 0.20% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $74 | $171 | 0.14% |
| SANDRA SIMS3 | 13750 W COLONIAL DRIVE SUITE 350 WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $10 | $157 | 0.13% |
| TAYLOR MARIE SHERMAN3 | 1305 10 ST S FARGO, ND 58103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $23 | $84 | 0.07% |
| MARGARET M GRAHAM3 | 200 CROOKED CREEK DR ONEIDA, TN 37841 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.03% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $12 | $32 | 0.03% |
| WILLIAM RENNARD3 | 3001 ALOMA AVE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $11 | $24 | 0.02% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONG BREEZE RD ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| LVI BENEFITS SERVICES LLC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.01% |
| JEFFERY JOSEPH SHAY3 | 713 22ND ST NE KASSON, MN 55944 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
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 | 297 | 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) | 297 | 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 | 264 | $1.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $258K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $258K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $258K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $258K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 264 | $1.8M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.