| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 SO. 8TH., STE. 700 MINNEAPOLIS, MN 55402 | UNITED HEALTHCARE INSURANCE | $50K | $0 | $50K | 2.75% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH, ST., STE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF NEW HAMPSHIRE, INC. | $4K | — | $4K | 3.86% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL OF NEW HAMPSHIRE, INC. | $969 | — | $969 | 0.89% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 SO. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 8.11% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 SO. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.42% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 SO. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 14.14% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $1K | — | $1K | 9.12% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 SO. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $433 | $0 | $433 | 12.00% |
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 | 385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE | 182 | $1.8M |
| Dental | DELTA DENTAL OF NEW HAMPSHIRE, INC. | 344 | $109K |
| Vision | VISION SERVICE PLAN | 167 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 468 | $32K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 89 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 89 | $18K |
| Prescription drug | UNITED HEALTHCARE INSURANCE | 182 | $1.8M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 414 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.