| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES (BOSTON) | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $71K | $71K | 2.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVC INC | 980-990 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $24K | $24K | 0.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 181 WELLS AVE NEWTON, MA 02459 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $10K | $26K | 12.99% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $919 | — | $919 | 3.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $719 | — | $719 | 2.59% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $3.2M |
| Vision | VISION SERVICE PLAN | 148 | $28K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $204K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $204K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $204K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $3.2M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
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.