| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 N. MAYFAIR RD #100 MILWAUKEE, WI 53226 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 0.85% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 N. MAYFAIR RD #100 MILWAUKEE, WI 53226 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $1.1M |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATOR | Contract Administrator; Insurance agents and brokers Service code 13 | — | $51K |
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 | 1,592 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE C/O FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,076 | $289K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,591 | $575K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,593 | $319K |
| Stop-loss / reinsurancereinsurance | QBE A&H | 1,457 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,076 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.