| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $6K | $7K | $13K | 5.82% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $6K | $6K | $12K | 5.73% |
| MARK HOLZINGER3 Filed as: MARK RANCE PASSI | 3503 MCELROY ST. EAU CLAIRE, WI 54701 | CONTINENTAL AMERICAL INSURANCE COMPANY | $10K | — | $10K | 10.74% |
| NICHOLAS HASELWANDER3 | 101 N. FARWELL ST SUITE 203 EAU CLAIRE, WI 54703 | CONTINENTAL AMERICAL INSURANCE COMPANY | $3K | — | $3K | 2.66% |
| TAD HOWARD ASP3 | 10890 N SMITH ROAD HAYWARD, WI 54843 | CONTINENTAL AMERICAL INSURANCE COMPANY | $2K | — | $2K | 1.71% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 655 N. FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | CONTINENTAL AMERICAL INSURANCE COMPANY | $796 | — | $796 | 0.84% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 655 N. FRANKLIN ST SUITE 1900 TAMPA, FL 33602 | CONTINENTAL AMERICAL INSURANCE COMPANY | $227 | — | $227 | 0.24% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 554025345 | CONTINENTAL AMERICAL INSURANCE COMPANY | $56 | — | $56 | 0.06% |
| JASON EDWARD EMER3 | 743 RASSBACH STREET EAU CLAIRE, WI 547017197 | CONTINENTAL AMERICAL INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SAMANTHA MICHAELSON3 Filed as: SAMANTHA JEAN BREUER | E4355 PINEWOOD CIRCLE ELEVA, WI 54738 | CONTINENTAL AMERICAL INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MICHAEL A PEDERSON3 Filed as: MICHAEL A. PEDERSON | 10644 24TH AVE EAU CLAIRE, WI 54703 | CONTINENTAL AMERICAL INSURANCE COMPANY | -$26 | — | -$26 | -0.03% |
| MARK HOLZINGER3 Filed as: MARK R HOLZINGER | 118 E HAMILTON AVE EAU CLAIRE, WI 54701 | CONTINENTAL AMERICAL INSURANCE COMPANY | -$47 | — | -$47 | -0.05% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | — | $2K | 3.16% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICE | 1200 NORTH MAYFAIR ROAD SUITE 100 MILWAUKEE, WI 53226 | ARAG INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 818 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 835 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,000 | $72K |
| Life insurance | STANDARD INSURANCE COMPANY | 818 | $206K |
| Long-term disability | STANDARD INSURANCE COMPANY | 818 | $219K |
| Other(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 818 | $551K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,000 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.