| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF ARIZONA | $213K | $0 | $213K | 3.79% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $10K | $59K | 8.48% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $37 | $37 | 0.01% |
| LANNUIER DONALD NEIL3 | 4140 E BASELINE RD., STE. 101 MESA, AZ 85206 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 11.70% |
| R J NIESSINK CORP3 | 29834 N CAVE CREEK RD #132 CAVE CREEK, AZ 85331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.13% |
| MCNAMARA DAVID3 | 7701 W SAINT JOHN RD 1152 GLENDALE, AZ 85308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.62% |
| WATKINS CAROLYN R3 | 4140 E BASELINE RD., STE. 101 MESA, AZ 85206 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.37% |
| MCKELVEY SHARON3 | 589 E CONESTOGA CR GRAND JUNCTION, CO 81504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.81% |
| MORGAN DAVID B3 | 29834 N CAVE RD., STE 132 CAVE CREEK, AZ 85331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $862 | $0 | $862 | 1.19% |
| CANDELARIA LATICIA M3 | 2795 E NORTHERN AVE., STE. D KINGMAN, AZ 86409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| WHITNEY RAYMOND F3 | 9409 S 43RD DR. LAVEEN, AZ 85339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.52% |
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 | 663 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 673 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 554 | $5.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,672 | $695K |
| Vision | VISION SERVICE PLAN | 537 | $56K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,672 | $695K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,672 | $695K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,672 | $695K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,672 | $768K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,672 | — |
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.