| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC, THE | 80 SOUTH EIGHTH STREET MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $175K | $30K | $206K | 3.52% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | PO BOX 1414 MINNEAPOLIS, MN 554801414 | KAISER FOUNDATION HEALTH PLAN INC | $40K | — | $40K | 3.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC, THE | 80 SOUTH EIGHTH STREET MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $29K | — | $29K | 3.99% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | PO BOX 1414 MINNEAPOLIS, MN 554801414 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 2.98% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $3K | $16K | 5.90% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET, BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 3.71% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $6K | 5.70% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET BOSTON, MA 02110 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $274 | $2K | 5.97% |
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 | 656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 876 | $7.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1,244 | $724K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 932 | $60K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,016 | $269K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 656 | $155K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 656 | $108K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 996 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,244 | — |
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."
No prospect flags tripped on this filing.