| 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 | $103K | — | $103K | 3.34% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 SO. 8TH ST ., STE. 700 MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 7.10% |
| 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 | 9.47% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST ., STE. 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $79 | $9K | 11.03% |
| MICHAEL J PERRI3 Filed as: MICHAEL PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $408 | $2K | 2.56% |
| LISA A PERRI3 Filed as: LISA PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $110 | $1K | 1.43% |
| FREDERICK AARON CHAMBERS3 | 1109 OVOCA RD TULLAHOMA, TN 37388 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $586 | $460 | $1K | 1.27% |
| MERRIDITH STANTON3 | 316 WOODLAWN TERR COLLINGSWOOD, NJ 08108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.25% |
| JILL DICE-MALGIER AND OTHER AGENTS3 | 17 MIDBRIDGE DR. MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $822 | $34 | $856 | 1.04% |
| GREGORY THOMPSON3 | 3448 WENDOVER RD TROY, MI 48084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | $0 | $275 | 0.33% |
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 | 575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 1,045 | $3.1M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 513 | $98K |
| Life insurance | AETNA LIFE INSURANCE CO. | 575 | $195K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 575 | $195K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 1,045 | $3.1M |
| Other(7 contracts, 7 carriers) | AETNA LIFE INSURANCE CO. | 575 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,045 | — |
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.