| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORSITE BENEFIT PARTNERS3 | 2300 RIVERSIDE DR., SUITE 104 GREEN BAY, WI 543011900 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 12.35% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF WI LLC | 1200 N MAYFAIR RD., STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.65% |
| FORSITE BENEFIT PARTNERS3 | 2300 RIVERSIDE DR., SUITE 104 GREEN BAY, WI 543011900 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 12.32% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF WI LLC | 1200 N MAYFAIR RD., STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.68% |
| FORSITE BENEFIT PARTNERS3 | 2300 RIVERSIDE DR., SUITE 104 GREEN BAY, WI 543011900 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.48% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF WI LLC | 1200 N MAYFAIR RD., STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $989 | $0 | $989 | 2.52% |
| FORSITE BENEFIT PARTNERS3 | 2300 RIVERSIDE DR., SUITE 104 GREEN BAY, WI 543011900 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.25% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF WI LLC | 1200 N MAYFAIR RD., STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $382 | $0 | $382 | 2.74% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 347 | $14K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $61K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $49K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 197 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.