| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF AZ INC | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $59K | $59K | 5.10% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 2800 N CENTRAL AVE #1100 PHOENIX, AZ 85004 | DELTA DENTAL OF ARIZONA | $6K | — | $6K | 10.77% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1125 17TH ST DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1125 17TH ST STE 400 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 14.70% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $869 | — | $869 | 6.52% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1125 17TH ST STE 400 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 11.84% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1125 17TH ST STE 400 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 29.11% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 105 | $1.2M |
| Dental | DELTA DENTAL OF ARIZONA | 174 | $55K |
| Vision | VISION SERVICE PLAN | 87 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 124 | $29K |
| Short-term disability | STANDARD INSURANCE COMPANY | 33 | $9K |
| Long-term disability | STANDARD INSURANCE COMPANY | 124 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.