| 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 | $19K | — | $19K | 5.60% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $413 | $15K | 15.44% |
| HAYS COMPANIES, INC.3 | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $294 | $10K | 15.47% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF WI | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 532263288 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 9.87% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | — | $2K | 5.00% |
| HAYS COMPANIES, INC.3 | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $229 | $7K | 15.49% |
| HAYS COMPANIES, INC.3 | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $222 | $7K | 15.48% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $111 | $3K | 15.52% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $570 | — | $570 | 12.75% |
| HAYS COMPANIES, INC.3 | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $513 | $13 | $526 | 15.38% |
| HAYS COMPANIES, INC.3 | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $175 | — | $175 | 6.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGER | Claims processing; Other fees; Float revenue; Direct payment from the plan Service code 12 | — | $825K |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $361K |
| HAYS COMPANIES OF WI EIN 41-1932108 BROKER | Other commissions Service code 55 | 1200 N MAYFAIR ROAD ST 100 MILWAUKEE, WI 532263286 | $100K |
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 | 877 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 881 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WISCONSIN | 703 | $338K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 917 | $49K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 373 | $62K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10 | $3K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 368 | $115K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE | 0 | $858K |
| Other(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 373 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 917 | — |
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."
No prospect flags tripped on this filing.