| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET FLOOR 6 BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $59K | $14K | $72K | 2.95% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MD 55402 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.44% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MD 55402 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 3.25% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHIGACO, IL 60603 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $67 | $67 | 0.03% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET FLOOR 6 BOSTON, MA 02110 | EYEMED VISION CARE | $2K | — | $2K | 9.19% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE JAMES D II | 101 HUNTINGTON AVE. BOSTON, MA 02199 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.74% |
| ST JEAN RICHARD A JR.3 | 101 FEDERAL STREET SUITE 800 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET FLOOR 6 BOSTON, MA 02110 | FEDERAL INSURANCE COMPANY | $333 | — | $333 | 15.01% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 181 | $2.5M |
| Vision | EYEMED VISION CARE | 313 | $21K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 207 | $199K |
| Long-term disability(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 207 | $220K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 181 | $2.5M |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 207 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.