| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES (MA) | 133 FEDERAL ST FL 2 BOSTON, MA 02109 BOSTON, MA 02019 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $81K | $8K | $90K | 10.62% |
| FLEISCHER JACOBS & ASSOCIATES INC3 | 620 HINESBURG RD STE 3B SOUTH BURLINGTON, VT 05403 SOUTH BURLINGTON, VT 05403 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$51 | — | -$51 | -0.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL ST SECOND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $8K | $23K | 19.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL ST SECOND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $6K | $16K | 19.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 133 FEDERAL ST FL 2 BOSTON MA 02110-1703 BOSTON, MA 02110 | VISION SERVICE PLAN | $2K | — | $2K | 4.16% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL ST SECOND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $7K | 19.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL ST SECOND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $679 | $396 | $1K | 19.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES (MA) | 133 FEDERAL ST FL 2, BOSTON, MA 02110 BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 293.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 TPA | Contract Administrator Service code 13 | — | $43K |
| CIGNA HEALTH & LIFE INSURANCE COMP. | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator Service code 12 | — | $0 |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 262 | $845K |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 262 | $849K |
| Vision | VISION SERVICE PLAN | 233 | $39K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $36K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $85K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $121K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 262 | $845K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.