| 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 | $26K | $0 | $26K | 7.30% |
| HAYS COMPANIES, INC.3 | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 9.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | UNITED HEALTHCARE INSURANCE COMPANY | $733 | $0 | $733 | 0.94% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $9K | 11.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.43% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS LLC | ONE BEACON ST STE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.75% |
| HAYS COMPANIES, INC.3 | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $917 | $7K | 11.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.21% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS LLC | ONE BEACON ST STE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.58% |
| HAYS COMPANIES, INC.3 | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $878 | $6K | 11.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.25% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS LLC | ONE BEACON ST STE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.65% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.58% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 901 MARQUETTE AVE STE 100 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $354 | $354 | 0.73% |
| HAYS COMPANIES, INC.3 | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $424 | $3K | 10.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.34% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS LLC | ONE BEACON ST STE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $970 | $970 | 3.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGER | Other fees; Direct payment from the plan; Float revenue; Claims processing Service code 12 | — | $1.5M |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $509K |
| HAYS COMPANIES OF WI EIN 41-1932108 BROKER | Other commissions Service code 55 | 1200 N MAYFAIR ROAD ST 100 MILWAUKEE, WI 532263286 | $105K |
| BROWN & BROWN INSURANCE SERVICES EIN 59-0691921 BROKER | Other commissions Service code 55 | — | $10K |
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 | 969 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 971 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 736 | $356K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,163 | $48K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 399 | $77K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 96 | $30K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE | 800 | $1.1M |
| Other(4 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 802 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,163 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.