| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH STREET SUITE 110 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $33K | $9K | $42K | 2.68% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $3K | — | $3K | 0.18% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $4K | — | $4K | 4.30% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $414 | — | $414 | 0.49% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH STREET SUITE 110 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.20% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | STANDARD INSURANCE COMPANY | $118 | — | $118 | 0.34% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH STREET SUITE 110 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH STREET SUITE 110 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMAPNY | $828 | — | $828 | 9.38% |
| SAPERS & WALLACK3 | 275 WASHINGTON STREET SUITE 110 NEWTON, MA 02458 | STANDARD INSURANCE COMAPNY | $97 | — | $97 | 1.10% |
| HOWARD LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $380 | — | $380 | 8.14% |
| JOHN DOTEN3 | 6003 POURING GLORIES WAY CLARKSVILLE, MD 21029 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.15% |
| MAIA LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.04% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 133 FEDERAL STREET 3RD FLOOR BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49 | $6 | $55 | 11.85% |
| EDITH J WOODCOCK3 | 117 BRYDON WAY WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 4.53% |
| NYLIFE SECURITIES LLC3 | 51 MADISON AVE ROOM 601 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1 | $1 | 0.22% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 213 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 220 | $85K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMAPNY | 236 | $14K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 236 | $40K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 29 | $10K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMAPNY | 236 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.