| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S0 8TH ST STW 700 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF MA | $23K | $12K | $35K | 1.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA, LLC | 333 ELM STREET, 3RD FLOOR DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MA | $20K | — | $20K | 0.89% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC DBA HAYS CO | 133 FEDERAL STREET 3RD FLOOW BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.36% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVENUE BOSTON, MA 02199 | USABLE LIFE | $8K | — | $8K | 20.00% |
| GOODRUM, PHILLIP, PORTER3 | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 45.09% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $389 | $5K | 20.94% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 4.20% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC DBA HAYS CO | 133 FEDERAL STREET 3RD FLOOR BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.90% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC SUPPLEMENT | 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 6TH FLOOR BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GOODRUM, PHILLIP, PORTER3 | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 62.69% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $297 | $5K | 28.49% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $768 | $768 | 4.18% |
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 | 364 | 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) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MA | 378 | $2.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MA | 378 | $2.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 355 | $21K |
| Life insurance(3 contracts, 3 carriers) | USABLE LIFE | 364 | $81K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $56K |
| Long-term disability | USABLE LIFE | 364 | $40K |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 364 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.