| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFIT GROUP OF WI LLC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | HUMANA DENTAL INSURANCE COMPANY | $14 | — | $14 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFITS GROUP OF WI | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFIT GROUP OF WI | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $887 | $887 | 2.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $275 | $4K | 17.54% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE SERVICES INC | 100 N CORPORATE DR STE 100 BROOKFIELD, WI 53045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $813 | $22 | $835 | 4.12% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFITS GROUP OF WI | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $186 | $186 | 1.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TASC EIN 39-1561025 NONE | Contract Administrator Service code 13 | — | $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 | 589 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA DENTAL INSURANCE COMPANY | 359 | $379K |
| Vision | HUMANA INSURANCE COMPANY | 272 | $33K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 589 | $122K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 43 | $44K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 589 | $106K |
| Stop-loss / reinsurancereinsurance | HUMANA HEALTH PLAN INC | 352 | $672K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 589 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.