| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFITS GROUP OF WIS | 1200 N. MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $36K | $36K | 3.07% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC SUPPLE | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554025345 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $19K | $19K | 1.63% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554025345 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 0.29% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF WI LLC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 9.11% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554025345 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 5.00% |
| AMWINS5 | 50 WHITECAP DR. NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY | $20K | — | $20K | 10.23% |
| AMWINS5 | 50 WHITECAP DR. NORTH KINGSTOWN, RI 02852 | MONUMENTAL LIFE INSURANCE CO. MEDICARE SUPPLEMENT | $22K | — | $22K | 13.64% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554025345 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $322 | $322 | 5.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554025345 | UNUM LIFE INSURANCE COMPANY | — | $53 | $53 | 5.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 N MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 532263287 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $0 | — | $0 | 0.00% |
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 | 4,576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 670 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MONUMENTAL LIFE INSURANCE CO. MEDICARE SUPPLEMENT | 94 | $161K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 5,602 | $309K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,576 | $1.2M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 12 | $1K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,576 | $1.4M |
| Prescription drug | ENVISION INSURANCE COMPANY | 94 | $192K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,576 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,602 | — |
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.