| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 1200 N MAYFAIR ROAD SUITE 100 MILWAUKEE, WI 53226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $91K | $6K | $97K | 15.95% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 1200 N. MAYFAIR ROAD SUITE 100 MILWAUKEE, WI 53226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $5K | $12K | 2.07% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 1200 N. MAYFAIR ROAD SUITE 100 MILWAUKEE, WI 53226 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 9.96% |
| AMWINS5 | 50 WHITECAP DR. NORTH KINGSTOWN, RI 02852 | RETIREE RX PRESCRIPTION DRUG PLAN | $24K | — | $24K | 11.30% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 1200 N. MAYFAIR ROAD SUITE 100 MILWAUKEE, WI 53226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31K | $2K | $33K | 15.97% |
| AMWINS5 | 50 WHITECAP DR. NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY | $25K | — | $25K | 13.64% |
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 | 4,370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 629 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,999 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA INSURANCE COMPANY | 105 | $181K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 4,973 | $282K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,999 | $1.2M |
| Prescription drug | RETIREE RX PRESCRIPTION DRUG PLAN | 105 | $209K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,879 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,879 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.