| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $11K | $11K | 0.20% |
| PATRICK J KOHLER3 Filed as: PATRICK J. KOHLER | 11270 WEST PARK PLACE, SUITE 100 MILWAUKEE, WI 53224 | NORTHWESTERN MUTUAL | $25K | $9K | $34K | 5.48% |
| WILLIAM JOHN COLLINS3 | 1036 WEST JUNEAU AVENUE, SUITE 302 MILWAUKEE, WI 53233 | NORTHWESTERN MUTUAL | $19K | $5K | $24K | 3.84% |
| BRIAN P DIX3 Filed as: BRIAN P. DIX | 1036 WEST JEANEAU AVENUE, SUITE 302 MILWAUKEE, WI 53233 | NORTHWESTERN MUTUAL | $19K | $5K | $24K | 3.84% |
| THE HOLTER AGENCY INC3 Filed as: THE HOLTER AGENCY, INC. | 100 EAST WISCONSIN AVENUE SUITE 2300 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $10K | $1K | $11K | 1.83% |
| JAMES P GROGAN3 Filed as: JAMES P. GROGAN | 11270 WEST PARK PLACE, SUITE 100 MILWAUKEE, WI 53224 | NORTHWESTERN MUTUAL | $3K | $909 | $3K | 0.56% |
| HAYS COMPANIES, INC.3 | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | DELTA DENTAL OF WISCONSIN | $5K | $0 | $5K | 1.07% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $1K | $0 | $1K | 0.24% |
| HAYS COMPANIES, INC.3 | 257 EAST 200 SOUTH, SUITE 700 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $10K | $0 | $10K | 4.08% |
| M BARRINGTON CORPORATION3 | 1325 WEST TOWNE SQUARE ROAD MEQUON, WI 53092 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $33 | $5K | 8.20% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $982 | $3K | 4.07% |
| BENEFIT SERVICES GROUP, INC.3 Filed as: THE BENEFIT SERVICES GROUP, INC. | W23050 PAUL ROAD PEWAUKEE, WI 53072 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.81% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 1.76% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $529 | $0 | $529 | 0.86% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 69.63% |
| BENEFIT SERVICES GROUP, INC.3 | PO BOX 78117 MILWAUKEE, WI 53278 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $818 | $0 | $818 | 1.66% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $409 | $0 | $409 | 0.83% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 4400 PARK ROAD, SUITE 311 CHARLOTTE, NC 28209 | RELIASTAR LIFE INSURANCE COMPANY | $20K | $972 | $21K | 60.51% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.93% |
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 | 631 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 854 | $6.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 489 | $530K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 463 | $61K |
| Life insurance | NORTHWESTERN MUTUAL | 633 | $619K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 40 | $67K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 633 | $686K |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 854 | $6.3M |
| Other(4 contracts, 4 carriers) | NORTHWESTERN MUTUAL | 633 | $770K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 854 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.