| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 N. MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE COMPANY OF AMERICA | $9K | — | $9K | 4.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.36% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. - MN | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 9.61% |
| COTTINGHAM & BUTLER3 | 800 MAIN STREET DUBUQUE, IA 52004 | METROPOLITAN LIFE INSURANCE COMPANY | $576 | — | $576 | 0.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 15.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 54402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $938 | — | $938 | 4.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1103 HUNTER DR. STE 100 MOUNT PLEASANT, WI 53406 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 2.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 5901 LINCOLN DRIVE MINNEAPOLIS, MN 55436 | $333K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | 2801 HOOVER RD. PO BOX 828 STEVENS POINT, WI 54881 | $32K |
| HAYS COMPANIES, INC. EIN 41-1949344 BROKER | Other commissions Service code 55 | 1200 N. MAYFAIR RD. STE 100 MILWAUKEE, WI 53226 | $5K |
| BROWN & BROWN INSURANCE SERVICES BROKER | Insurance agents and brokers Service code 22 | 1200 N. MAYFAIR ROAD STE 100 MILWAUKEE, WI 53226 | $667 |
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 | 640 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 830 | $92K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 640 | $140K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 282 | $192K |
| Long-term disability | UNUM LIFE COMPANY OF AMERICA | 546 | $191K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,023 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,023 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.