| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 3200 EAST CAMELBACK ROAD, SUITE 129 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $28K | $31K | 2.83% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $18K | $20K | 1.83% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 741259 LOS ANGELES, CA 90074 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $9K | $11K | 0.95% |
| HAYS COMPANIES, INC.3 | 3200 EAST CAMELBACK ROAD, SUITE 129 PHOENIX, AZ 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 12.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.80% |
| HAYS COMPANIES, INC.3 | 3200 EAST CAMELBACK ROAD, SUITE 129 PHOENIX, AZ 85018 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 9.98% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 741259 LOS ANGELES, CA 90074 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $231 | $0 | $231 | 1.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARIZONA, INC. | 3200 EAST CAMELBACK ROAD, SUITE 129 PHOENIX, AZ 85018 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $114 | $0 | $114 | 0.81% |
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 | 145 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $1.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 234 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $44K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $44K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $1.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.