| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS INSURANCE BROKERAGE GRP OF NE | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | HARVARD PILGRIM HEALTH CARE | $5K | — | $5K | 2.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 0.75% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET #700 MINNEAPOLIS, MN 55402 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 3.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 0.77% |
| HAYS COMPANIES, INC.3 Filed as: HAYS INSURANCE BROKERAGE GRP OF NE | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 2.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | HARVARD PILGRIM HEALTH CARE | $705 | — | $705 | 0.74% |
| HAYS COMPANIES, INC.3 Filed as: HAYS INSURANCE BROKERAGE GRP OF NE | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 2.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | HARVARD PILGRIM HEALTH CARE | $572 | — | $572 | 0.72% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 1350 BAYSHORE HWY, STE 218 BURLINGTON, CA 940101811 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $37 | $6K | 9.11% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $871 | $871 | 1.27% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HARVARD PILGRIM HEALTH CARE | 19 | $477K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 131 | $68K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 131 | $68K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 131 | $68K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 131 | $68K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 131 | $68K |
| Prescription drug(4 contracts) | HARVARD PILGRIM HEALTH CARE | 19 | $477K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 131 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.