| 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 COMPANY | $80K | $11K | $91K | 3.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | PO BOX 2480 DAYTONA BEACH, FL 321152480 | UNITED HEALTHCARE INSURANCE COMPANY | — | $499 | $499 | 0.02% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 SO. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | UNITED HEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 14.78% |
| 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. | $6K | — | $6K | 3.39% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL OF NEW HAMPSHIRE, INC. | $1K | — | $1K | 0.81% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | — | — | $0 | 0.00% |
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 | 441 | 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) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 536 | $2.6M |
| Dental | DELTA DENTAL OF NEW HAMPSHIRE, INC. | 514 | $178K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 536 | $2.6M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 435 | $179K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 435 | $179K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 435 | $179K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 536 | $2.6M |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 435 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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.