| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF NEW YORK | $11K | — | $11K | 3.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF NEW YORK | $9K | — | $9K | 3.05% |
| HAYS COMPANIES, INC.1 Filed as: HAYS COMPANIES INC. | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF NEW YORK | $7K | — | $7K | 5.16% |
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 | 535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 1,036 | $370K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF NEW YORK | 612 | $128K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF NEW YORK | 612 | $128K |
| Other(2 contracts) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF NEW YORK | 833 | $422K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,036 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.