| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | — | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $29K | — | $29K | 5.39% |
| ACG BENEFITS & RISK CONSULTING INC3 | 50 SOUTH SIXTH STREET SUITE 975 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MINNESOTA | $5K | — | $5K | 2.68% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 1.91% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 9.26% |
| MICHELE HREN3 | 50 SOUTH SIXTH STREET SUITE 975 MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $592 | — | $592 | 0.74% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 15.85% |
| AMBER MUSKE3 Filed as: AMBER N MUSKE | 11769 31ST STREET SOUTHEAST VALLEY CITY, ND 58072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 11.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET #700 MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.05% |
| SHAWN D BENSER3 | 214 PARK DRIVE HARWOOD, ND 58042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $603 | — | $603 | 1.86% |
| THOMAS J CASSADY3 | 1102 5TH STREET SOUTH FARGO, ND 58103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $323 | — | $323 | 1.00% |
| JOLYNNE M MACK3 | 113 5TH STREET SOUTHEAST WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.09% |
| BRADY L WEISENBERGER3 | 2102 26 1/2 COURT SOUTH FARGO, ND 58103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.07% |
| WANDA K VINING ALBER3 | 110 9TH STREET SOUTHWEST JAMESTOWN, ND 58401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| MICHELE A HREN3 | 145 MONTROSE PLACE SAINT PAUL, MN 55104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 124 | $172K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 255 | $38K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 254 | $80K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 493 | $531K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 255 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.