| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 N MAYFAIR RD #100 MILWAUKEE, WI 53226 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $13K | — | $13K | 10.50% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $1K | $264 | $1K | 1.18% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1125 17TH ST #1710 DENVER, CO 80202 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $992 | $992 | 0.81% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF WI | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 9.98% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 N MAYFAIR ROAD #100 MILWAUKEE, WI 53226 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 11.69% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $192 | $44 | $236 | 1.17% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1125 17TH ST #1710 DENVER, CO 80202 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $162 | $162 | 0.80% |
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 | 740 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 756 | $123K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 95 | $20K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 492 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 756 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.