| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $8K | $40K | 4.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, FL 16 DALLAS, TX 75231 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $38 | $26K | 2.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.51% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S 8TH ST, STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $77 | $77 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $67 | $67 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF ARIZONA | $96K | $0 | $96K | 12.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD OF ARIZONA | $77K | $0 | $77K | 9.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 BEE CAVE ROAD, STE 125 AUSTIN, TX 78746 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.20% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.95% |
| LANNUIER DONALD NEIL3 | 4140 E BASELINE RD., STE. 101 MESA, AZ 85206 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.92% |
| R J NIESSINK CORP3 | 29834 N CAVE CREEK RD #132 CAVE CREEK, AZ 85331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.54% |
| MCNAMARA DAVID3 | 7701 W SAINT JOHN RD 1152 GLENDALE, AZ 85308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.65% |
| WATKINS CAROLYN R3 | 4140 E BASELINE RD., STE. 101 MESA, AZ 85206 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $809 | $0 | $809 | 1.31% |
| MCKELVEY SHARON3 | 589 E CONESTOGA CR GRAND JUNCTION, CO 81504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $732 | $0 | $732 | 1.18% |
| MORGAN DAVID B3 | 29834 N CAVE RD., STE 132 CAVE CREEK, AZ 85331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $186 | $0 | $186 | 0.30% |
| WHITNEY RAYMOND F3 | 9409 S 43RD DR. LAVEEN, AZ 85339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
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 | 727 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,244 | $790K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,002 | $969K |
| Vision | VISION SERVICE PLAN | 598 | $67K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,002 | $969K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,002 | $969K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,002 | $969K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,244 | $790K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,244 | $790K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,002 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,002 | — |
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.