| 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 | $101K | — | $101K | 2.98% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 SO. 8TH ST ., STE. 700 MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 7.59% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST ., STE. 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $87 | $11K | 10.87% |
| MICHAEL J PERRI3 Filed as: MICHAEL PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $271 | $2K | 2.31% |
| MERRIDITH STANTON3 | 21 GUILFORD PL. BURLINGTON TWP, NJ 08016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $77 | $1K | 1.47% |
| KINDA JACKSON3 Filed as: KINDA JACKSON AND OTHER AGENTS | 1811 BROOKSIE THOMPSON RD. DECATURVILLE, TN 38329 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $109 | $1K | 1.34% |
| LISA A PERRI3 Filed as: LISA PERRY | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $71 | $1K | 1.24% |
| JILL R LAMBERT3 Filed as: JILL DICE-MALGIER | 17 MIDBRIDGE DR. MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $276 | $0 | $276 | 0.28% |
| MICHELLE CRISANTI3 | 2150 S. CANALPORT CHICAGO, IL 60608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | $0 | $225 | 0.23% |
| 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 | $9K | — | $9K | 9.49% |
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 | 470 | 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) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 1,025 | $3.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 491 | $95K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 491 | $95K |
| Life insurance | AETNA LIFE INSURANCE CO. | 531 | $185K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 531 | $185K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 1,025 | $3.4M |
| Other(7 contracts, 7 carriers) | AETNA LIFE INSURANCE CO. | 531 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,025 | — |
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.