| 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 | SYMETRA LIFE INSURANCE COMPANY | $22K | $0 | $22K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFIT GROUP OF WISCONSIN, LL | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 532263286 | HUMANA INSURANCE COMPANY | $10K | $0 | $10K | 9.80% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF WISCONSIN | 1200 NORTH MAYFAIR ROAD SUITE 100 MILWAUKEE, WI 53226 | CARE-PLUS DENTAL PLANS, INC. | $7K | $0 | $7K | 8.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $604K |
| HUMANADENTAL INSURANCE COMPANY EIN 39-0714280 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $46K |
| TRIA HEALTH, LLC EIN 27-1515235 NONE | Claims processing Service code 12 | 7101 COLLEGE BLVD STE 600 OVERLAND PARK, KS 66210 | $34K |
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 | 1,000 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,029 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CARE-PLUS DENTAL PLANS, INC. | 283 | $82K |
| Vision | HUMANA INSURANCE COMPANY | 645 | $101K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,141 | $217K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 1,141 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,141 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.