| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $126K | $0 | $126K | 0.71% |
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $125K | $288 | $125K | 0.71% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $18K | $49K | 3.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $10K | $32K | 2.08% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31K | $35K | $66K | 22.91% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DR SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 2.27% |
| MMA SECURITIES LLC3 | PO BOX 9497 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $413 | $0 | $413 | 0.19% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $77 | $77 | 0.03% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 11.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 8.39% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 9.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 7.33% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNUM INSURANCE COMPANY | $5K | $635 | $5K | 10.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNUM INSURANCE COMPANY | $3K | $384 | $3K | 6.40% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM INSURANCE COMPANY | $5K | $998 | $6K | 16.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNUM INSURANCE COMPANY | $26 | $9 | $35 | 0.10% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM INSURANCE COMPANY | $4K | $959 | $5K | 16.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | UNUM INSURANCE COMPANY | $16 | $5 | $21 | 0.07% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $943 | $2K | 29.49% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $5K | $13K | — |
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 | 1,116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,307 | $17.7M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,307 | $17.7M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,116 | $1.9M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,116 | $1.6M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,307 | $17.7M |
| Other(10 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,187 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,307 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.