| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC | $26K | $0 | $26K | 1.15% |
| FIAI INC3 Filed as: FIAI INC. | 637 CHESTNUT STREET MANCHESTER, NH 03104 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC | $12K | $0 | $12K | 0.54% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $652 | $6K | 6.70% |
| FIAI INC3 Filed as: FIAI INC. | 1100 ELM STREET MANCHESTER, NH 03101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 5.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 2.47% |
| CROSS INSURANCE3 | 1100 ELM STREET MANCHESTER, NH 03101 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $436 | $0 | $436 | 6.53% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $231 | $0 | $231 | 3.46% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC | 291 | $2.2M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 39 | $7K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $88K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $88K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $88K |
| Prescription drug | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC | 291 | $2.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.