| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $5K | $5K | 0.26% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $646 | $10K | 12.72% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.47% |
| ALLEN, PAUL, SELLERS3 | 2331 CONGRESS ST #2 PORTLAND, ME 04102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $313 | — | $313 | 0.38% |
| THE BUCKLEY GROUP OF PORTLAND INC3 | 75 MARKET ST, SUITE 401 PORTLAND, ME 04101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $287 | — | $287 | 0.35% |
| ALLEN, PAUL, SELLERS3 | 75 MARKET ST STE 401 PORTLAND, ME 04101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, ME 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $340 | $5K | 21.31% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.31% |
| THE BUCKLEY GROUP OF PORTLAND INC3 | 75 MARKET ST STE 401 PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $497 | — | $497 | 2.11% |
| ALLEN, PAUL, SELLERS3 | 2331 CONGRESS ST #2 PORTLAND, ME 04102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.05% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MH 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $129 | $129 | 1.22% |
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 | 1,098 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 405 | $1.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,098 | $528K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 891 | $517K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,098 | $11K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 355 | $124K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $110K |
| Other(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,098 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,098 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.