| 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 532260000 | DELTA DENTAL OF WISCONSIN | $18K | — | $18K | 5.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYES COMPANIES, INC. | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 532260000 | QBE INSURANCE CORPORATION | $12K | — | $12K | 4.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYES COMPANIES, INC. | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $555 | $14K | 15.60% |
| HAYS COMPANIES, INC.3 Filed as: HAYES COMPANIES, INC. | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $405 | $10K | 15.63% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF WI LLC | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 532263286 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYES COMPANIES, INC. | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $414 | $8K | 15.85% |
| HAYS COMPANIES, INC.3 Filed as: HAYES COMPANIES, INC. | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $446 | $8K | 15.95% |
| HAYS COMPANIES, INC.3 Filed as: HAYES COMPANIES, INC. | 80 SOUTH 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | — | $2K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $467 | — | $467 | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYES COMPANIES, INC. | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $446 | $11 | $457 | 15.36% |
| HAYS COMPANIES, INC.3 Filed as: HAYES COMPANIES, INC. | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $140 | — | $140 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGER | Claims processing; Direct payment from the plan; Other fees; Float revenue Service code 12 | — | $1.1M |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $283K |
| HAYS COMPANIES OF WI EIN 41-1932108 BROKER | Other commissions Service code 55 | 1200 N MAYFAIR ROAD ST 100 MILWAUKEE, WI 532263286 | $92K |
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 | 761 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 658 | $305K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 897 | $44K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE | 350 | $869K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11 | $3K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 347 | $92K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 547 | $290K |
| Other(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 350 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 897 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.