| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF MN | $18K | — | $18K | 9.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILSON-MCSHANE CORPORATION EIN 41-0956552 NONE | Contract Administrator; Accounting (including auditing) Service code 10 | — | $551K |
| BLUE CROSS BLUE SHIELD OF MN EIN 41-1427596 NONE | Claims processing Service code 12 | — | $178K |
| DDMN ASO, LLC EIN 41-1905554 NONE | Claims processing Service code 12 | — | $42K |
| BENEFIT PLAN ADMINISTRATION OF WI EIN 39-1401001 NONE | Actuarial Service code 11 | — | $39K |
| ENVISION PHARMACEUTICAL SERVICES EIN 90-1011712 NONE | Claims processing Service code 12 | — | $32K |
| T.E.A.M., LLC EIN 81-4050818 NONE | Claims processing Service code 12 | — | $29K |
| ANDERSON, HELGEN, DAVIS & CEFALU EIN 26-3644998 NONE | Legal Service code 29 | — | $25K |
| SECOVA INC. EIN 33-0954754 NONE | Actuarial Service code 11 | — | $21K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $18K |
| ANDREW, BRANSKY & POOLE PA EIN 41-1502219 NONE | Legal Service code 29 | — | $12K |
| KUTAK ROCK LLP EIN 47-0597598 NONE | Legal Service code 29 | — | $7K |
| STEWART TAYLOR NONE | Copying and duplicating Service code 36 | 114 WEST SUPERIOR STREET DULUTH, MN 55802 | $6K |
| HONSA-BINDER PRINTING NONE | Copying and duplicating Service code 36 | 320 SPRUCE STREET ST. PAUL, MN 55101 | $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 | 1,574 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 139 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MN | 139 | $282K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MN | 139 | $146K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF MN | 1,561 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,561 | — |
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."
No prospect flags tripped on this filing.