| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 980 WASHINGTON STREET, SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $40K | $14K | $54K | 2.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 980 WASHINGTON STREET, SUITE 325 DEDHAM, MA 02026 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $6K | — | $6K | 0.25% |
| HAYS COMPANIES, INC.3 | 1500 BROADWAY 21ST FLOOR STE 700 NEW YORK, NY 10036 | GUARDIAN LIFE INSURANCE COMPANY | $12K | — | $12K | 9.39% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | VISION SERVICE PLAN | $1K | — | $1K | 6.12% |
| HAYS COMPANIES, INC.0 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | FOUR EVER LIFE INS CO | $835 | — | $835 | 15.00% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE STE 1300 BOSTON, MA 02199 | FOUR EVER LIFE INS CO | — | $167 | $167 | 3.00% |
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 | 158 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 140 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 140 | $2.4M |
| Vision | VISION SERVICE PLAN | 118 | $19K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 158 | $127K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 158 | $127K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 158 | $127K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 140 | $2.4M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 158 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.