| 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 532263286 | DELTA DENTAL OF WISCONSIN | $871 | — | $871 | 0.83% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 4.20% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP OF WI LLC | 1200 NORTH MAYFAIR ROAD #100 MILWAUKEE, WI 53226 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 3.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WISCONSIN COLLABORATIVE INSURANCE EIN 47-5569628 N/A | Other services; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $74K |
| BLUE CROSS BLUE SHIELD OF WISCONSIN EIN 39-0138065 N/A | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Float revenue; Other fees Service code 12 | — | $52K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 N/A | Contract Administrator; Claims processing Service code 12 | — | $12K |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF WISCONSIN | 583 | $447K |
| Dental | DELTA DENTAL OF WISCONSIN | 167 | $105K |
| Vision(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WISCONSIN | 583 | $471K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 206 | $104K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 206 | $104K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 206 | $104K |
| Stop-loss / reinsurancereinsurance(2 contracts) | BLUECROSS BLUESHIELD OF WISCONSIN | 583 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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.