| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF WI | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | PREVEA360 HEALTH PLAN | $27K | — | $27K | 1.64% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 S MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 8.70% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | HEALTH PARTNERS INSURANCE COMPANY | — | $56 | $56 | 0.07% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREVEA360 HEALTH PLAN | 116 | $1.7M |
| Dental | HEALTH PARTNERS INSURANCE COMPANY | 94 | $77K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 55 | $8K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 155 | $125K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 155 | $125K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 155 | $125K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 155 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.