| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | MEDICA INSURANCE COMPANY | $103K | $4K | $107K | 3.12% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP INC. | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $8K | $2K | $11K | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $3K | $3K | $6K | 4.33% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP INC. | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $209 | $1K | $1K | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $4K | $2K | $6K | 6.15% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP INC. | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $68 | $2K | $2K | 1.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $3K | $1K | $4K | 6.13% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP INC. | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $199 | $1K | $1K | 2.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | $0 | $2K | 9.23% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP INC. | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | NATIONAL VISION ADMINISTRATORS, LLC | $142 | $0 | $142 | 0.76% |
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 | 481 | 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) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 240 | $3.4M |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 225 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 481 | $68K |
| Short-term disability | STANDARD INSURANCE COMPANY | 479 | $149K |
| Long-term disability | STANDARD INSURANCE COMPANY | 481 | $96K |
| Prescription drug | MEDICA INSURANCE COMPANY | 240 | $3.4M |
| Other | STANDARD INSURANCE COMPANY | 481 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.