| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 1200 N MAYFAIR RD #100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.69% |
| JAMES R MUELLER3 Filed as: JAMES R. MUELLER | N19 W24400 RIVERWOOD DR., #100 WAUKESHA, WI 53188 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $173 | — | $173 | 0.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 N MAYFAIR RD #100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.34% |
| JAMES R MUELLER3 Filed as: JAMES R. MUELLER | N19 W24400 RIVERWOOD DR., #100 WAUKESHA, WI 53188 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $261 | — | $261 | 1.31% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 N MAYFAIR RD #100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.80% |
| JAMES R MUELLER3 Filed as: JAMES R. MUELLER | N19 W24400 RIVERWOOD DR., #100 WAUKESHA, WI 53188 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $330 | — | $330 | 1.86% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC - MILWAUKEE | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | HUMANA INSURANCE COMPANY | $265 | — | $265 | 2.29% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFIT GROUP OF WISCONSIN LLC | 1200 N MAYFIELD RD STE 100 MILWAUKEE, WI 53226 | HUMANA INSURANCE COMPANY | $256 | — | $256 | 2.21% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | HUMANA INSURANCE COMPANY | $183 | — | $183 | 1.58% |
| JAMES R MUELLER3 Filed as: JAMES R. MUELLER | N19 W24400 RIVERWOOD DR. STE. 100 WAUKESHA, WI 53188 | HUMANA INSURANCE COMPANY | $156 | — | $156 | 1.35% |
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 | 111 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA WISCONSIN HEALTH ORG INS CORP | 85 | $841K |
| Vision | HUMANA INSURANCE COMPANY | 69 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $20K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $61K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $18K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.