| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55459 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $180K | $32K | $212K | 3.52% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55459 | KAISER FOUNDATION HEALTH PLAN INC | $39K | — | $39K | 2.99% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55459 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $27K | — | $27K | 4.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55459 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 2.77% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55459 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 4.96% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55459 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.69% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55459 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.65% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55459 | EYEMED VISION CARE, LLC | $6K | — | $6K | 10.05% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55459 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.00% |
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 | 662 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 674 | 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 | 906 | $7.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1,202 | $677K |
| Vision | EYEMED VISION CARE, LLC | 928 | $59K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 662 | $275K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 662 | $158K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 662 | $110K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 662 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,202 | — |
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.