| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | UNKNOWN MINNEAPOLIS, MN 55437 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $44K | $0 | $44K | 3.18% |
| TIMOTHY D. FOSTER3 | 221 MANITOBA AVENUE SOUTH WAYZATA, MN 55391 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 3.50% |
| JEFFREY A. FOSTER3 | 940 BROWN ROAD SOUTH WAYZATA, MN 55391 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 3.50% |
| BRUCE R BREMER3 Filed as: BRUCE R. BREMER | 100 SOUTH 5TH STREET MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MINNESOTA | $5K | $0 | $5K | 7.00% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 55 EAST 5TH STREET, SUITE 500 SAINT PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $3K | $0 | $3K | 3.50% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 173 | $1.4M |
| Dental | DELTA DENTAL OF MINNESOTA | 176 | $72K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $170K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $170K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 173 | $1.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
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.