| 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 | $102K | $28K | $129K | 2.85% |
| 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 | $12K | — | $12K | 4.96% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 1125 17TH ST SUITE 400 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $3K | $1K | $4K | 9.18% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 1125 17TH ST SUITE 400 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $3K | $727 | $4K | 14.58% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 7.36% |
| IBENEFITS COMMUNICATION, LLC3 | 6230 FAIRVIEW RD STE 210 CHARLOTTE, NC 28210 | RELIASTAR LIFE INSURANCE COMPANY | $3K | $252 | $3K | 13.60% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | RELIASTAR LIFE INSURANCE COMPANY | $1K | $145 | $1K | 6.00% |
| ADP INC3 Filed as: ADP, INC | PO BOX 842875 BOSTON, MA 02284 | RELIASTAR LIFE INSURANCE COMPANY | $125 | — | $125 | 0.51% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 1125 17TH ST SUITE 400 DENVER, CO 80202 | STANDARD INSURANCE COMAPNY | $2K | $475 | $2K | 11.18% |
| IBENEFITS COMMUNICATION, LLC3 | 6230 FAIRVIEW RD STE 210 CHARLOTTE, NC 28210 | RELIASTAR LIFE INSURANCE COMPANY | $4K | $264 | $4K | 22.42% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | RELIASTAR LIFE INSURANCE COMPANY | $170 | $152 | $322 | 1.71% |
| ADP INC3 Filed as: ADP, INC | PO BOX 842875 BOSTON, MA 02274 | RELIASTAR LIFE INSURANCE COMPANY | $125 | — | $125 | 0.66% |
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 | 664 | 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) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 393 | $4.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 448 | $232K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $26K |
| Life insurance | STANDARD INSURANCE COMAPNY | 664 | $19K |
| Short-term disability | STANDARD INSURANCE COMPANY | 63 | $39K |
| Long-term disability | STANDARD INSURANCE COMPANY | 57 | $28K |
| Other(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 664 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 664 | — |
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.