| 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 | $54K | $13K | $67K | 2.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 133 FEDERAL ST, 6TH FLOOR BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $13K | — | $13K | 0.56% |
| 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 | $5K | — | $5K | 4.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 133 FEDERAL ST 6TH FLOOR BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $1K | — | $1K | 1.01% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH STREET SUITE 110 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $2K | $2K | $4K | 11.61% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH STREET SUITE 110 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $2K | $474 | $2K | 16.90% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH STREET SUITE 110 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMAPNY | $981 | $401 | $1K | 15.76% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH STREET SUITE 110 MINNEAPOLIS, MN 55402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $835 | — | $835 | 10.00% |
| HOWARD LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $378 | — | $378 | 8.09% |
| 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% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 283 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 321 | $125K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 114 | $8K |
| Life insurance | STANDARD INSURANCE COMAPNY | 259 | $9K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 259 | $39K |
| Long-term disability | STANDARD INSURANCE COMPANY | 33 | $14K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMAPNY | 259 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.