| 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 | $26K | $0 | $26K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF WISCONSIN | 1200 NORTH MAYFAIR ROAD SUITE 100 MILWAUKEE, WI 53226 | CARE-PLUS DENTAL PLANS, INC | $8K | $0 | $8K | 8.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFIT GROUP OF WISCONSIN LLC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 5.09% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 4.23% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | HUMANA INSURANCE COMPANY | $741 | $0 | $741 | 0.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $656K |
| HUMANADENTAL INSURANCE COMPANY EIN 39-0714280 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $49K |
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 | 1,027 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,062 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CARE-PLUS DENTAL PLANS, INC | 293 | $100K |
| Vision | HUMANA INSURANCE COMPANY | 679 | $86K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,198 | $257K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 1,198 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,198 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.