| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN MA DEDHAM | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | UNITEDHEALTHCARE INSURANCE COMPANY | $65K | $14K | $78K | 5.38% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC-BOSTON | 9880 WASHINGTON ST STE 325 DEDHAM, MA 02026 | UNITEDHEALTHCARE INSURANCE COMPANY | -$89 | $0 | -$89 | -0.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $6K | $0 | $6K | 6.05% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 14.64% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MH 55402 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.86% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 14.66% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $396 | $0 | $396 | 1.91% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 98 WASHINGTON ST SUITE 325 DEDHAM, MA 02026 | EYEMED VISION CARE | $886 | $0 | $886 | 10.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $925 | $0 | $925 | 14.60% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $111 | $0 | $111 | 1.75% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 118 | $1.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 200 | $96K |
| Vision | EYEMED VISION CARE | 124 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 152 | $21K |
| Short-term disability | STANDARD INSURANCE COMPANY | 78 | $6K |
| Long-term disability | STANDARD INSURANCE COMPANY | 145 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.