| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $58K | $15K | $73K | 4.07% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 16.19% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST 5TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | -$6 | -$6 | -0.01% |
| RSC INSURANCE BROKERAGE INC3 | 800 WEST CUMMINGS PARK SUITE 4000 WOBURN, MA 01801 | HARTFORD LIFE AND ACCIDENT | -$16 | — | -$16 | -0.03% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 13.76% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST 5TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | -$25 | -$25 | -0.05% |
| COSTELLO BENEFITS GROUP3 Filed as: COSTELLO BENEFITS GROUP INSURANCE B | 800 WEST CUMMINGS PARK SUITE 4000 WOBURN, MA 01801 | HARTFORD LIFE AND ACCIDENT | -$71 | — | -$71 | -0.16% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 16.28% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN ST 5TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | -$20 | -$20 | -0.05% |
| RSC INSURANCE BROKERAGE INC3 | 800 WEST CUMMINGS PARK SUITE 4000 WOBURN, MA 01801 | HARTFORD LIFE AND ACCIDENT | -$56 | — | -$56 | -0.13% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 1126 16TH ST STE 1710 DENVER, CO 802022013 | HUMANA INSURANCE COMPANY | $917 | — | $917 | 8.03% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 321144318 | HUMANA INSURANCE COMPANY | $165 | — | $165 | 1.44% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GORUP, INC | 80 S 8TH STREET SUITE 700 MINEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 14.06% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN STREET 5H FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $0 | $0 | 0.00% |
| COSTELLO BENEFITS GROUP3 | 800 WEST CUMMINGS PARK SUITE 4000 WOBURN, MA 01801 | HARTFORD LIFE AND ACCIDENT | -$1 | — | -$1 | -0.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $59 | — | $59 | 12.09% |
| RSC INSURANCE BROKERAGE INC3 | 800 WEST CUMMINGS PARK SUITE 4000 WOBURN, MA 01801 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES, LLC | 446 MAIN STREET 5TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $0 | $0 | 0.00% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 149 | $1.8M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 149 | $1.8M |
| Vision | HUMANA INSURANCE COMPANY | 99 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 160 | $46K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 166 | $58K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 161 | $42K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 149 | $1.8M |
| Other(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 160 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.