| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 133 FEDERAL ST FL 2 BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $127K | $127K | 1.80% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD STE.2 EAST WINDHAM, NH 03087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $114K | $114K | 1.61% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 133 FEDERAL ST FL 2 BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 2.50% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD STE.2 EAST WINDHAM, NH 03087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 0.98% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | ANTHEM LIFE INSURANCE COMPANY | $35K | — | $35K | 12.43% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BENEFITS AN ALERA GROUP... | 183 ROCKINGHAM ROAD 2 EAST WINDHAM, NH 03087 | ANTHEM LIFE INSURANCE COMPANY | $9K | — | $9K | 3.41% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 3.18% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BENEFITS, AN ALERA GROUP.. | 183 ROCKINGHAM RD WINDHAM, NH 03087 | KAISER FOUNDATION HEALTH PLAN INC | $816 | — | $816 | 0.60% |
| VARIOUS - SEE ATTACHED3 | — | AFLAC | $11K | $1K | $12K | 12.16% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 133 FEDERAL ST FL 2 BOSTON, MA 02110 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 2.70% |
| GCG FINANCIAL LLC3 Filed as: LANDMARK BENEFITS, AN ALERA GROUP.. | 183 ROCKINGHAM RD WINDHAM, NH 03087 | KAISER FOUNDATION HEALTH PLAN INC | $289 | — | $289 | 0.32% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 133 FEDERAL ST FL 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $2K | — | $2K | 2.39% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD STE 2 EAST WINDHAM, NH 03087 | VISION SERVICE PLAN | $521 | — | $521 | 0.79% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC | ONE GATEWAY CENTER SUITE 560 NEWTON, MA 02458 | METLIFE LEGAL PLANS | $3K | $47 | $3K | 10.09% |
| VARIOUS - SEE ATTACHED3 | — | AFLAC | $3K | $125 | $3K | 13.97% |
| VARIOUS - SEE ATTACHED3 | — | AFLAC | $2K | $187 | $2K | 15.54% |
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 | 576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 677 | $7.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 795 | $507K |
| Vision | VISION SERVICE PLAN | 471 | $66K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 576 | $278K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 576 | $278K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 576 | $278K |
| Prescription drug(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 677 | $7.3M |
| Other | METLIFE LEGAL PLANS | 89 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 795 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.