| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | DENTAL SERVICE OF MASSACHUSETTS, DBA DELTA DENTAL | $34K | — | $34K | 3.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | $9K | $44K | 12.53% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $7K | $33K | 12.54% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $6K | $31K | 12.57% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | EYEMED VISION CARE | $7K | — | $7K | 9.01% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY DBA BOSTON | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | EYEMED VISION CARE | $621 | — | $621 | 0.78% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $6K | 12.55% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | $922 | $6K | 11.84% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SOUTH 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | $168 | $2K | 10.31% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 1350 BAYSHORE HIGHWAY 218 BURLINGAME, CA 94010 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $46 | $46 | 0.26% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $3 | $3 | 0.02% |
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 | 1,123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL SERVICE OF MASSACHUSETTS, DBA DELTA DENTAL | 2,043 | $1.0M |
| Vision | EYEMED VISION CARE | 1,396 | $80K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,122 | $261K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,123 | $349K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,121 | $250K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,122 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,043 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.