| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S 8TH ST, SUITE 700 MINNEAPOLIS, MA 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 9.14% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET 5500 WOBURN, MA 01802 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 3.86% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 9.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | 12 GILL STREET 5500 WOBURN WOBURN, MA 01801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.83% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | RED TREE INSURANCE COMPANY, INC. DBA DELTA VISION | $3K | — | $3K | 7.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC. | PO BOX 62937 VIRGINIA BEACH, VA 23466 | RED TREE INSURANCE COMPANY, INC. DBA DELTA VISION | $832 | — | $832 | 2.37% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICE LLC | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. DBA DELTA VISION | $520 | — | $520 | 1.48% |
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 | 509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | RED TREE INSURANCE COMPANY, INC. DBA DELTA VISION | 603 | $35K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 509 | $143K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 478 | $49K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 509 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.