| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1125 17TH ST STE 400 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $6K | $3K | $9K | 4.88% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1125 17TH ST SUITE 400 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $4K | $3K | $7K | 4.57% |
| MARK HOLZINGER3 Filed as: MARK R PASSI | 3503 MCELROY STREET EAU CLAIRE, WI 54701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 11.85% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 655 N. FRANKLIN STREET STE 1900 TAMPA, FL 33602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 10.64% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 655 N. FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 4.74% |
| NICHOLAS HASELWANDER3 | 101 N. FAREWELL STREET SUITE 203 EAU CLAIRE, WI 54701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.09% |
| TAD HOWARD ASP3 | 10890 N SMITH ROAD HAYWARD, WI 54701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.23% |
| MARK HOLZINGER3 Filed as: MARK R. HOLZINGER | 118 E HAMILTON AVE EAU CLAIRE, WI 54701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $728 | — | $728 | 0.84% |
| MICHAEL A PEDERSON3 Filed as: MICHAEL A. PEDERSON | 10644 24TH AVE EAU CLAIRE, WI 54701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $519 | — | $519 | 0.60% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | — | $2K | 3.32% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF WISCONSIN | 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 | 796 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 819 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 921 | $63K |
| Life insurance | STANDARD INSURANCE COMPANY | 784 | $153K |
| Long-term disability | STANDARD INSURANCE COMPANY | 784 | $188K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 324 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 921 | — |
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.