| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | BLUE CROSS & BLUE SHIELD OF MASSACHUSETTS, INC. | $137K | $64K | $201K | 1.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 333 ELM ST#300 DEDHAM, MA 02026 | BLUE CROSS & BLUE SHIELD OF MASSACHUSETTS, INC. | $24K | $0 | $24K | 0.17% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64K | $34K | $98K | 5.75% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $10K | $39K | 13.35% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC DBA HAYS COMPANI | 133 FEDERAL ST 3RD FL BOSTON, MA 02110 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 2.47% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DR CLIENT COMPENSATION DEPT SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 2.98% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $232 | $232 | 0.10% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFIT GROUP, INC | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 19.57% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | SUITE 700 80 SOUTH 8TH ST MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $18K | 17.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $4K | $15K | 16.32% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC DBS HAYS COMPAN | 133 FEDERAL ST 3RD FLOOR BOSTON, MA 02110 | PROVIDENT LIFE AND CASUALTY INSURANCE CO | $586 | $407 | $993 | 23.88% |
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 | 965 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 980 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF MASSACHUSETTS, INC. | 861 | $13.7M |
| Vision | BLUE CROSS & BLUE SHIELD OF MASSACHUSETTS, INC. | 861 | $13.7M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 965 | $1.9M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 965 | $1.7M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 965 | $1.7M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 965 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 965 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.