| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 55418 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $480 | $480 | 0.31% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $797 | $797 | 0.59% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 1200 N. MAYFAIR RD ST. 100 MILWAUKEE, WI 53226 | RELIASTAR LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 1200 N MAYFAIR RD STE 1001200N MILWAUKEE, WI 60673 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.65% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 1200 N. MAYFAIR RD ST. 100 MILWAUKEE, WI 53226 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1200 N MAYFAIR RD STE 1001200N MILWAUKEE, WI 53226 | RELIASTAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.66% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 1200 N. MAYFAIR RD ST. 100 MILWAUKEE, WI 53226 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 1200 N MAYFAIR RD STE 1001200N MILWAUKEE, WI 53226 | RELIASTAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.08% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $427 | $90 | $517 | 6.37% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 901 MARQUETTE AVE STE 1800 SUITE 200 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $396 | $0 | $396 | 4.88% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1600 UTICA AVENUE SOUTH SUITE 600 MINNEAPOLIS, MN 55416 | METLIFE LEGAL PLANS | $0 | $98 | $98 | 1.21% |
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 | 611 | 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) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | 886 | $54K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 611 | $135K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $153K |
| Other(4 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 228 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 886 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.