| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | SYMETRA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 12.05% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 S MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | EYEMED VISION CARE | $971 | — | $971 | 9.83% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 S MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | UNITED HEALTHCARE INSURANCE COMPANY | $960 | — | $960 | 9.99% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | SYMETRA LIFE INSURANCE COMPANY | $96 | $9 | $105 | 11.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX EIN 33-0441200 PHARMACY BENEFIT MGMT | Float revenue; Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $385K |
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $88K |
| HAYS COMPANIES OF WI EIN 41-1932108 BROKER | Other commissions Service code 55 | — | $36K |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 180 | $10K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 176 | $77K |
| Short-term disability(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 176 | $78K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 176 | $77K |
| Stop-loss / reinsurancereinsurance | VISTA | 106 | $268K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 176 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.