| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | — | HARVARD PILGRIM HEALTH CARE | $42K | — | $42K | 1.20% |
| HAYS COMPANIES, INC.3 Filed as: HAYS INSURANCE BROKERAGE GRP OF NE | — | HARVARD PILGRIM HEALTH CARE | $39K | — | $39K | 1.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | — | HARVARD PILGRIM HEALTH CARE | $8K | — | $8K | 1.40% |
| HAYS COMPANIES, INC.3 Filed as: HAYS INSURANCE BROKERAGE GRP OF NE | — | HARVARD PILGRIM HEALTH CARE | $7K | — | $7K | 1.30% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH EIGHTH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $17K | — | $17K | 4.97% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 133 FEDERAL ST BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $6K | 9.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA | 11220 ASSETT LOOP MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $663 | $663 | 1.07% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 133 FEDERAL ST BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 13.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA | 11220 ASSETT LOOP MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $593 | $593 | 1.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 133 FEDERAL ST BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 10.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA | 11220 ASSETT LOOP MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $493 | $493 | 1.04% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 350 | $4.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 259 | $346K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $107K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $59K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 310 | $62K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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."
No prospect flags tripped on this filing.