| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | RELIASTAR LIFE INSURANCE COMPANY | $137K | $0 | $137K | 6.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WI, INC. | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | RELIASTAR LIFE INSURANCE COMPANY | $43K | $0 | $43K | 2.16% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | RELIASTAR LIFE INSURANCE COMPANY | $16K | $0 | $16K | 0.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA, INC. | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | DELTA DENTAL OF MASSACHUSETTS | $42K | $0 | $42K | 2.27% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MASSACHUSETTS | $36K | $0 | $36K | 1.95% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MASSACHUSETTS | $13K | $0 | $13K | 0.71% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF NEW ENGLAND | 133 FEDERAL STREET, 3RD FLOOR BOSTON, MA 02110 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | $1K | — | $1K | 0.57% |
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 | 2,897 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,990 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MASSACHUSETTS | 4,056 | $1.9M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | 6,764 | $216K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 3,465 | $2.0M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 3,465 | $2.0M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 3,465 | $2.0M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,465 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,764 | — |
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.