| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 NORTH MAYFAIR RD MILWAUKEE, WI 53226 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $28K | — | $28K | 1.33% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $18K | — | $18K | 0.84% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 S MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | DELTA DENTAL OF WISCONSIN | $11K | — | $11K | 5.25% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 1.99% |
| THE HORTON GROUP3 Filed as: HORTON INSURANCE AGENCY | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 1.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 N MAYFAIR RD MILWAUKEE, WI 53226 | KAISER FOUNDATION HEALTH PLAN INC | $533 | — | $533 | 0.46% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 NORTH MAYFAIR RD MILWAUKEE, WI 53226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.86% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $884 | $3K | $3K | 4.73% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 NORTH MAYFAIR RD MILWAUKEE, WI 53226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.58% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 6.08% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 NORTH MAYFAIR RD MILWAUKEE, WI 53226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.50% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 6.46% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 NORTH MAYFAIR RD MILWAUKEE, WI 53226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.64% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $889 | $690 | $2K | 7.74% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 8.53% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 NORTH MAYFAIR RD MILWAUKEE, WI 53226 | WYSSTA INSURANCE COMPANY INC | $292 | — | $292 | 1.74% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF WISCONSIN | 166 | $2.2M |
| Dental | DELTA DENTAL OF WISCONSIN | 168 | $213K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF WISCONSIN | 166 | $2.1M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $65K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $72K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
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.