| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP OF WI | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | PRIORITY HEALTH INSURANCE COMPANY | $29K | — | $29K | 2.05% |
| MARC D. DEVISSER3 Filed as: MARC DURAND DEVISSER | 140 MONROE CTR GRAND RAPIDS, MI 495032893 | PRIORITY HEALTH INSURANCE COMPANY | $14K | — | $14K | 0.95% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | PRIORITY HEALTH INSURANCE COMPANY | $20K | — | $20K | 2.21% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MI LLC | 140 MONROE CENTER STE 200 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $8K | — | $8K | 0.87% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 3.65% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MICHIGAN LLC | 140 MONROE CNT ST NW STE 200 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 1.07% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFITS GROUP OF WI | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.59% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MI LLC | 16805 CLEVELAND AVE NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.11% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP OF WI LLC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.90% |
| HNI RISK SERVICES3 | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.76% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFITS GROUP OF WI | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.38% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MI LLC | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | AMERITAS LIFE INSURANCE CORP | $4K | — | $4K | 11.52% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MICHIGAN LLC | 140 MONROE CNT ST NW STE 200 GRAND RAPIDS, MI 49503 | AMERITAS LIFE INSURANCE CORP | $1K | — | $1K | 3.45% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP OF WI LLC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.82% |
| HNI RISK SERVICES3 | 16805 CLEVELAND AVE NEW BERLIN, WI 53151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $936 | — | $936 | 3.18% |
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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 185 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 243 | $141K |
| Vision | AMERITAS LIFE INSURANCE CORP | 192 | $31K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 369 | $71K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 369 | $43K |
| Prescription drug | PRIORITY HEALTH INSURANCE COMPANY | 185 | $1.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 369 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.