| 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 | $97K | $24K | $121K | 3.13% |
| 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 | $11K | — | $11K | 5.01% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $2K | $377 | $3K | 7.88% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $3K | $232 | $4K | 12.61% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 11.59% |
| IBENEFITS COMMUNICATION, LLC3 | 4400 PARK RD STE 311 CHARLOTTE, NC 28209 | RELIASTAR LIFE INSURANCE COMPANY | $10K | $445 | $10K | 47.57% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 7.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFIT GROUP, LLC | 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 554022105 | RELIASTAR LIFE INSURANCE COMPANY | — | $730 | $730 | 3.39% |
| IBENEFITS COMMUNICATION, LLC3 | 4400 PARK RD STE 311 CHARLOTTE, NC 28209 | RELIASTAR LIFE INSURANCE COMPANY | $8K | $410 | $8K | 41.09% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 7.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFIT GROUP, LLC | 80 S 80TH ST STE 700 MINNEAPOLIS, MN 554022105 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $672 | $672 | 3.43% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMAPNY | $2K | $159 | $2K | 9.47% |
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 | 571 | 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) | 571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 370 | $3.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 413 | $214K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 166 | $22K |
| Life insurance | STANDARD INSURANCE COMAPNY | 571 | $19K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 68 | $57K |
| Long-term disability | STANDARD INSURANCE COMPANY | 51 | $28K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 571 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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.