| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF WI LLC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 1200 N. MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | METROPOLITAN LIFE INSURANCE COMPANY | — | $97 | $97 | 0.04% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES | 80 SOUTH EIGHTH STREET SUITE 700 MINNEAPOLIS, MN 55402 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $227 | — | $227 | 14.97% |
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 | 1,126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 50 | $294K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 562 | $94K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,126 | $242K |
| Short-term disability | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 11 | $2K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 10 | $40K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,126 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,126 | — |
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.