I had this same question since I bought mine used. I went to the mini dealer to get a new key and the service advisor was able to print out a sheet with all the options that came with my car (pretty standard).
I too have the steering wheel, but no bluetooth. I bought a blue ant speakerphone thing for $99 and it's pretty awesome, plus I can take it out of the car and use it wherever I am. The factory blue tooth kit is like $400 and installs into the back of the radio, behind the a pillar plastic (need a new one since they are only to be installed once) and up by the mirror.
I pulled the radio out to add the aux-in cable for my ipod (since the factory ipod thing SUCKS) and found the wires/harness you'd need for the bluetooth. Pretty easy to install if you pony up for the adaptor.
