| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANY OF ARIZONA | 2800 N CENTRAL AVE #1100 PHOENIX, AZ 85004 | DELTA DENTAL OF ARIZONA | $19K | — | $19K | 8.32% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANY OF ARIZONA | 3200 E CAMELBACK RD, STE 129 PHOENIX, AZ 85018 | DELTA DENTAL OF ARIZONA | $4K | — | $4K | 1.58% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF ARIZONA | 2800 N CENTRAL AVE #1100 PHOENIX, AZ 85004 | DELTA DENTAL OF ARIZONA | $3K | — | $3K | 8.34% |
| HAY'S COMPANIES OF ARIZONA3 | 3200 E CAMELBACK RD STE 129 PHOENIX, AZ 85018 | DELTA DENTAL OF ARIZONA | $590 | — | $590 | 1.49% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $200 | $3K | 7.39% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $144 | $4K | 11.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $119 | $3K | 8.88% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $78 | $3K | 15.44% |
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 | 327 | 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) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EVERNORTH BEHAVIORAL HEALTH, INC | 895 | $8K |
| Dental | DELTA DENTAL OF ARIZONA | 535 | $231K |
| Vision | DELTA DENTAL OF ARIZONA | 515 | $39K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 327 | $48K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 327 | $39K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 327 | $36K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 327 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 895 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.