| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 4565 PAYSPHERE CIRCLE STE 700 MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE CO. | $26K | — | $26K | 0.35% |
| BR203 DANIEL J PINEAU3 | 36 WILLETT AVE RIVERSIDE, RI 02915 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $41K | $41K | 1.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $36K | — | $36K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $843 | $843 | 0.35% |
| DAN PINEAU3 | 36 WILLETT AVENUE RIVERSIDE, RI 02915 | DELTA DENTAL OF RHODE ISLAND | $4K | — | $4K | 2.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVE STE 1800 STE 1800 MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 2.86% |
| DAN PINEAU3 | 36 WILLETT AVE RIVERSIDE, RI 02915 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 11.15% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 12421 MEREDITH DR STE 700 MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE CO. | $28K | — | $28K | 34.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN MA DEDHAM | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 5.65% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC-BOSTON | 980 WASHINGTON ST STE 325 BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 3.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 99 HIGH ST BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| DAN PINEAU3 | 36 WILLETT AVE RIVERSIDE, RI 02915 | VISION SERVICE PLAN | $943 | — | $943 | 5.65% |
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 | 2,873 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,201 | $10.6M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,201 | $7.4M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 768 | $67K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,873 | $380K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $142K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,873 | $380K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,873 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,873 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.