| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | NCB 88 PO BOX 1414 MINNEAPOLIS, MN 55480 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTALOF MA | $4K | — | $4K | 2.69% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | — | $0 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | — | $0 | 0.00% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS, SUITE 206 BURLINGTON, MA 01803 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCECO | $1K | — | $1K | 6.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES - BOSTON, MA | 133 FEDERAL STREET BOSTON, MA 02110 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCECO | $646 | — | $646 | 3.74% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET, SECOND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $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 | 451 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTALOF MA | 662 | $155K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCECO | 467 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 451 | $40K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 270 | $23K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 451 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 662 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.