| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 4.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 400 N EXECUTIVE DRIVE STE 300 BROOKFIELD, WI 53005 | THE EPIC LIFE INSURANCE COMPANY | $6K | — | $6K | 7.16% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP OF WI | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | THE EPIC LIFE INSURANCE COMPANY | $430 | — | $430 | 0.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC | 400 N EXECUTIVE DRIVE STE 300 BROOKFIELD, WI 53005 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CYPRESS BENEFIT ADMINISTRATION EIN 39-1997579 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $39K |
| WILLIS OF WI EIN 39-0765647 INSURANCE AGENT | Custodial (securities) Service code 19 | — | $30K |
| MAGELLAN RX MANAGEMENT EIN 46-3708039 PHARMACY BENEFIT MGMT | Other fees; Direct payment from the plan; Claims processing Service code 12 | — | $12K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 OTHER | Other fees Service code 99 | — | $10K |
| TRILOGY HEALTH INNSURANCE EIN 20-5598514 OTHER | Other fees Service code 99 | — | $8K |
| HEALTHEOS BY MULTIPLAN INC EIN 39-1634080 OTHER | Other fees Service code 99 | — | $2K |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUNLIFE ASSURANCE COMPANY | 172 | $528K |
| Dental | DELTA DENTAL OF WISCONSIN | 203 | $136K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC | 147 | $18K |
| Life insurance | THE EPIC LIFE INSURANCE COMPANY | 266 | $82K |
| Long-term disability | THE EPIC LIFE INSURANCE COMPANY | 266 | $82K |
| Other | MEDICAL EXCESS | 172 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.