| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES | 133 FEDERAL STREET FLOOR 6 BOSTON, MA 02110 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $36K | $11K | $48K | 2.21% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS, INC. | ONE GATEWAY CENTER SUITE 650 NEWTON, MA 02458 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | — | $2K | $2K | 0.07% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES | 133 FEDERAL STREET FLOOR 6 BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $7K | 15.50% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES | 133 FEDERAL STREET FLOOR 6 BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 15.66% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES | 133 FEDERAL STREET FLOOR 6 BOSTON, MA 02110 | VISION SERVICE PLAN | $819 | — | $819 | 7.06% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES | 133 FEDERAL STREET FLOOR 6 BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $976 | $539 | $2K | 15.52% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 406 | $2.2M |
| Vision | VISION SERVICE PLAN | 74 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $37K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 164 | $43K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.