| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $37K | $18K | $54K | 2.88% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $3K | $6K | 8.22% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $2K | $4K | 10.67% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $2K | $6K | 13.50% |
| JAMES T KINNEY3 Filed as: JAMES T. KINNEY | PO BOX 9308 WARWICK, RI 02889 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.47% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP, LLC | 233 W. CENTRAL ST. NATICK, MA 01760 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.27% |
| MICHAEL R ACKERMAN3 Filed as: MICHAEL R. ACKERMAN | 150 E. SWEDESFORD RD., STE. 102 WAYNE, PA 190871458 | TRANSAMERICA LIFE INSURANCE COMPANY | $259 | — | $259 | 0.99% |
| JENNIFER GERVASIO3 Filed as: JENNIFER GERVAISO | 203 BUNGY RD. N. SCITUATE, RI 02857 | TRANSAMERICA LIFE INSURANCE COMPANY | $72 | — | $72 | 0.28% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.75% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 133 FEDERAL ST. FLOOR 2 BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $981 | — | $981 | 4.20% |
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 | 199 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 424 | $1.9M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 313 | $23K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 199 | $73K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 201 | $42K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 201 | $41K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 424 | $1.9M |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 314 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.