| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 SO. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | INDEPENDENCE BLUE CROSS | $98K | — | $98K | 3.44% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 SO. 8TH ST ., STE. 700 MINNEAPOLIS, MN 55402 | SYMETRA LIFE INSURANCE COMPANY | $24K | — | $24K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST ., STE. 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $1K | $14K | 12.49% |
| MICHAEL J PERRI3 Filed as: MICHAEL PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 4.74% |
| ROGERS BENEFIT GROUP INC3 Filed as: PATRICK ROGERS AND OTHER AGENTS | 137 CAMELOT CIR. CORAOPOLIS, PA 15108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $612 | $5K | 4.33% |
| MERRIDITH STANTON3 | 21 GUILFORD PL. BURLINGTON TWP, NJ 08016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 3.79% |
| LISA A PERRI3 Filed as: LISA PERRY | 775 ROUTE 70 EAST MARTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $808 | $4K | 3.66% |
| KINDA JACKSON3 | 1811 BROOKSIE THOMPSON RD. DECATURVILLE, TN 38329 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $91 | $2K | 1.47% |
| LISA JENNETTE UNDERHILL3 Filed as: LISA UNDERHILL | 1296 RED OAK DR. BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $780 | $107 | $887 | 0.82% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST ., STE. 700 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 9.50% |
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 | 531 | 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) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 1,136 | $2.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 488 | $83K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 488 | $83K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 531 | $160K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 531 | $160K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 1,136 | $2.8M |
| Other(7 contracts, 7 carriers) | SYMETRA LIFE INSURANCE COMPANY | 531 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,136 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.