| 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 | BCBSMN, INC. | $19K | $25K | $45K | 25.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILSON-MCSHANE CORPORATION EIN 41-0956552 NONE | Contract Administrator; Accounting (including auditing) Service code 10 | — | $562K |
| BCBSMN, INC. EIN 41-0984460 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other fees; Contract Administrator Service code 12 | — | $205K |
| KUTAK ROCK LLP EIN 47-0597598 NONE | Legal Service code 29 | — | $46K |
| ENVISION PHARMACEUTICAL SERVICES EIN 90-1011712 NONE | Claims processing Service code 12 | — | $45K |
| DDMN ASO, LLC EIN 41-1905554 NONE | Claims processing Service code 12 | — | $41K |
| LEE JOST & ASSOCIATES EIN 39-1400101 NONE | Consulting (pension) Service code 17 | — | $41K |
| T.E.A.M., LLC EIN 81-4050818 NONE | Claims processing Service code 12 | — | $28K |
| ANDREW BRANSKY & POOLE PA EIN 41-1502219 NONE | Legal Service code 29 | — | $20K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $19K |
| RMB CAPITAL MGMT LLC EIN 59-3792751 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $6K |
| HONSA-BINDER PRINTING NONE | Copying and duplicating Service code 36 | 320 SPRUCE STREET ST. PAUL, MN 55101 | $6K |
| ST. CROIX PRESS, INC. EIN 39-1151669 NONE | Copying and duplicating Service code 36 | — | $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 | 1,544 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSMN, INC. | 130 | $315K |
| Dental | BCBSMN, INC. | 130 | $315K |
| Vision | BCBSMN, INC. | 130 | $315K |
| Prescription drug | BCBSMN, INC. | 130 | $315K |
| Stop-loss / reinsurancereinsurance | BCBSMN, INC. | 1,542 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,542 | — |
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.