| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 1200 N. MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $12K | $25K | 2.62% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $11 | $10K | 1.11% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS | 120 A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 3.65% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 1.72% |
| BEAU DAVID BOUDREAUX3 Filed as: BEAU D. BOUDREAUX | 120 A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | RELIASTAR LIFE INSURANCE COMPANY | $384 | — | $384 | 0.44% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | 12600 WHITEWATER DRIVE, SUITE 100 MINNETONKA, MN 55343 | STANDARD INSURANCE COMPANY | $45K | — | $45K | 55.20% |
| SECURA BROKERAGE LLC3 Filed as: SECURA BROKERAGE, LLC | 6465 WAYZATA BOULEVARD, SUITE 920 MINNEAPOLIS, MN 55426 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 28.37% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 23.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 RX BENEFIT MANAGEMENT | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $2.2M |
| UMR, INC. EIN 39-1995276 FSA ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $711K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 DENTAL ADMINISTRATOR | Contract Administrator Service code 13 | — | $66K |
| HAYS COMPANIES OF WISCONSIN EIN 41-1932108 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $43K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 FML ADMINISTRATION | Claims processing; Contract Administrator Service code 12 | — | $22K |
| ROBERT E. MILLER INSURANCE AGENCY EIN 43-0902269 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $15K |
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 | 1,550 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,103 | $150K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,973 | $1.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,973 | $942K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,973 | $942K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE | 3,639 | $713K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,973 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,639 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.