| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 6.22% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLNS, LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 5.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 2.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | DELTA DENTAL OF WISCONSIN | $2K | — | $2K | 1.05% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF WISCONSIN | 1200 NORTH MAYFAIR ROAD MILWAUKEE, WI 53226 | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | $5K | $0 | $5K | 10.74% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF WI | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | CARE-PLUS DENTAL PLANS, INC. | $2K | $0 | $2K | 8.00% |
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 | 488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 299 | $216K |
| Vision | SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | 479 | $47K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 350 | $275K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 350 | $275K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 350 | $275K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 450 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.