| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MA | $74K | — | $74K | 3.93% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | NCB 88 P.O. BOX 1414 MINNEAPOLIS, MN 55480 | DELTA DENTAL OF MA | $607 | — | $607 | 0.03% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 532263286 | RELIASTAR LIFE INSURANCE COMPANY | $97K | $0 | $97K | 5.86% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES INC. | 1200 N MAYFAIR RD STE 100 MILWAUKEE, MN 532263286 | RELIASTAR LIFE INSURANCE COMPANY | $27K | $0 | $27K | 1.66% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF NEW ENGLAND | 133 FEDERAL STREET BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 0.54% |
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 | 3,089 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MA | 4,484 | $1.9M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,947 | $212K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 3,089 | $1.7M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 3,089 | $1.7M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 3,089 | $1.7M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 3,089 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,484 | — |
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.