| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | THE UNION LABOR LIFE INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILSON MCSHANE CORPORATION EIN 41-0956552 NONE | Contract Administrator Service code 13 | — | $128K |
| BLUELINK EIN 41-1427596 NONE | Claims processing Service code 12 | — | $112K |
| DIANE JOHNSON EIN 41-0855601 EMPLOYEE | Employee (plan) Service code 30 | — | $76K |
| NINA FREDRICKSON EIN 41-0855601 EMPLOYEE | Employee (plan) Service code 30 | — | $75K |
| ANDREW & BRANSKY, P.A. EIN 41-1502219 NONE | Legal Service code 29 | — | $36K |
| DELTA DENTAL EIN 41-1905554 NONE | Claims processing Service code 12 | — | $15K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| NORTH SHORE INVESTMENTS & TRUST EIN 41-0138390 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $8K |
| BENEFIT PLAN ADMINISTRATION OF WI EIN 39-1401001 NONE | Actuarial Service code 11 | — | $7K |
| PRIME THERAPEUTICS EIN 26-0076803 NONE | Other fees; Float revenue; Other services; Claims processing Service code 12 | — | $6K |
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 | 3,374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 289 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MN | 75 | $108K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 654 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.