| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 6711 COLUMBIA GATEWAY DR COLUMBIA, MD 21046 | SYMETRA LIFE INSURANCE COMPANY | — | $9K | $9K | 1.27% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.59% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFITS GROUP OF WI | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $271 | $271 | 0.37% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.64% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFITS GROUP OF WI | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $412 | $412 | 0.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 PRESCRIPTION BENEFIT | Claims processing; Contract Administrator Service code 12 | — | $618K |
| CENTIVO EIN 81-3498510 ADMINISTRATOR | Claims processing; Other services Service code 12 | — | $291K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 TPA-DENTAL | Contract Administrator Service code 13 | — | $24K |
| HAYS COMPANIES EIN 41-1949344 BROKER | Other commissions; Insurance agents and brokers Service code 22 | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | $21K |
| EMPLOYEE BENEFITS CORPORATION ADMIN | Claims processing; Contract Administrator Service code 12 | PO BOX 44347 MADISON, WA 53744 | $11K |
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 | 785 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 802 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 471 | $48K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 802 | $67K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 702 | $15K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 298 | $73K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 511 | $738K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 802 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.