| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | CAREFIRST BLUECHOICE INC. / GROUP HOSPITALIZATION MEDICAL SERVICES INC | $19K | $9K | $28K | 3.33% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP INC. | 600 WASHINGTON AVE., STE. 104 TOWSON, MD 21204 | CAREFIRST BLUECHOICE INC. / GROUP HOSPITALIZATION MEDICAL SERVICES INC | $0 | $8K | $8K | 1.01% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 21.23% |
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 | 185 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE INC. / GROUP HOSPITALIZATION MEDICAL SERVICES INC | 72 | $834K |
| Dental | CAREFIRST BLUECHOICE INC. / GROUP HOSPITALIZATION MEDICAL SERVICES INC | 72 | $834K |
| Vision | CAREFIRST BLUECHOICE INC. / GROUP HOSPITALIZATION MEDICAL SERVICES INC | 72 | $834K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $6K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 158 | $18K |
| Prescription drug | CAREFIRST BLUECHOICE INC. / GROUP HOSPITALIZATION MEDICAL SERVICES INC | 72 | $834K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.