| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 1200 S MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | HUMANA WISCONSIN HEALTH ORGANIZATION | $58K | — | $58K | 2.04% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 S MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | AMERITAS LIFE INSURANCE CORP | $4K | — | $4K | 2.14% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 21.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 ADMIN | Claims processing Service code 12 | — | $40K |
| COMPSYCH EIN 35-3739783 TPA-ADMIN | Claims processing Service code 12 | — | $0 |
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 | 488 | 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) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA WISCONSIN HEALTH ORGANIZATION | 308 | $2.9M |
| Dental | AMERITAS LIFE INSURANCE CORP | 284 | $188K |
| Vision | AMERITAS LIFE INSURANCE CORP | 284 | $188K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 489 | $128K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 489 | $128K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 489 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.