| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF MA LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $138K | $32K | $170K | 3.68% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 80 S 8TH ST STE. 700 MINNEAPOLIS, MN 55402 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | $13K | — | $13K | 4.41% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 80 S 8TH ST STE. 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 7.72% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 1350 BAYCHORE HWY SUITE 218 BURLINGAME, CA 94010 | COMMUNITY INSURANCE COMPANY | $9K | — | $9K | 10.28% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS AGY | 11220 ASSET LOOP SUITE 104 MANASSAS, VA 20109 | COMMUNITY INSURANCE COMPANY | — | $599 | $599 | 0.67% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $932 | $8K | 17.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 133 FEDERAL STREET FLOOR 3 BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 11.43% |
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 | 508 | 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) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 906 | $4.6M |
| Dental(2 contracts, 2 carriers) | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | 643 | $378K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 630 | $36K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 508 | $147K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 508 | $147K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 906 | $4.6M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 508 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 906 | — |
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.