| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $482 | — | $482 | 0.03% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE COMPANY | $17K | — | $17K | 14.29% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 5.00% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 E 2ND ST. MEDIA, PA 19063 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 12.32% |
| SPECIAL RISK INSURANCE SERVICES INC3 | PO BOX 1108 VOORHEES, NJ 08043 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.20% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | TRANSAMERICA LIFE INSURANCE COMPANY | $314 | — | $314 | 0.83% |
| JEFFREY M NEWMAN3 Filed as: JEFFREY M. NEWMAN | 46 S. MAIN ST. MEDFORD, NJ 08055 | TRANSAMERICA LIFE INSURANCE COMPANY | $145 | — | $145 | 0.38% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC. SAVOY ASSOC. | 25B HANOVER RD. STE. 220 FLORHAM PARK, NJ 07932 | TRANSAMERICA LIFE INSURANCE COMPANY | $37 | — | $37 | 0.10% |
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 | 313 | 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) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 389 | $1.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 170 | $39K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 163 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 389 | $158K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 313 | $120K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 313 | $120K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 163 | $1.4M |
| Other | AETNA LIFE INSURANCE COMPANY | 313 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.