| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL ST BOSTON, MA 02110 | OPTUM HEALTH | $90K | — | $90K | 14.07% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $99 | $17K | 4.58% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.91% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL ST BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $2K | $26K | 12.87% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL ST BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $1K | $18K | 12.87% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL ST BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $527 | $8K | 12.88% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 133 FEDERAL ST BOSTON, MA 02110 | VISION SERVICE PLAN | $2K | — | $2K | 3.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL ST BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $83 | $1K | 12.87% |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OPTUM HEALTH | 371 | $638K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,493 | $366K |
| Vision | VISION SERVICE PLAN | 367 | $58K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 481 | $60K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 481 | $144K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 481 | $202K |
| Prescription drug | OPTUM HEALTH | 371 | $638K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 481 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,493 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.