| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 6TH FLOOR BOSTON, MA 02110 | KAISER PERMANENTE | — | — | $0 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 6TH FLOOR BOSTON, MA 02110 | DELTA DENTAL OF CT, INC. | — | — | $0 | 0.00% |
| VARIOUS - SEE ATTACHMENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $224K | $29K | $253K | 20.94% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET BOSTON, MA 02110 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $83K | $3K | $87K | 8.30% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 6TH FLOOR BOSTON, MA 02110 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $47K | $4K | $51K | 8.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $908 | $908 | 0.16% |
| VARIOUS - SEE ATTACHMENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $77K | $6K | $83K | 20.57% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 6TH FLOOR BOSTON, MA 02110 | EYEMED VISION CARE, LLC | — | — | $0 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 6TH FLOOR BOSTON, MA 02110 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $537 | $537 | 0.45% |
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 | 4,331 | 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) | 4,331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER PERMANENTE | 489 | $1.9M |
| Dental | DELTA DENTAL OF CT, INC. | 5,157 | $1.6M |
| Vision | EYEMED VISION CARE, LLC | 4,373 | $206K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 4,331 | $2.2M |
| Short-term disability(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 3,568 | $1.7M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,331 | $1.0M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 4,331 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,157 | — |
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.