| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF ARIZONA | $38K | $0 | $38K | 2.02% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC. | PO BOX 32702 TUSCON, AZ 85751 | BLUE CROSS BLUE SHIELD OF ARIZONA | $37K | $238 | $37K | 2.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 3200 EAST CAMELBACK ROAD SUITE 129 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $0 | $10K | 5.18% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC. | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 1.99% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.36% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 6.08% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC. | 1050 WEST WASHINGTON STREET TEMPE, AZ 85281 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 5.06% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 3200 EAST CAMELBACK ROAD SUITE 129 PHOENIX, AZ 85018 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 4.91% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 241 | $1.9M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 636 | $188K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 498 | $27K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 412 | $113K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 412 | $113K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 412 | $113K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 241 | $1.9M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 412 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.