| 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 | BANNER HEALTH AND AETNA HEALTH | — | $46K | $46K | 4.74% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF ARIZONA | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | DELTA DENTAL OF ARIZONA | $9K | — | $9K | 10.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF AZ INC | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | AETNA LIFE INSURANCE CO. | — | $1K | $1K | 2.70% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 3200 E CAMELBACK RD STE 129 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $314 | $3K | 10.44% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 3200 E CAMELBACK RD STE 129 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $350 | $3K | 10.70% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | — | $2K | 9.99% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | VISION SERVICE PLAN | $1K | — | $1K | 5.99% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $99 | — | $99 | 0.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF AZ INC | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | HARTFORD LIFE AND ACCIDENT | $3K | $346 | $3K | 22.25% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 3200 E CAMELBACK RD STE 129 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $773 | $107 | $880 | 10.40% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 3200 E CAMELBACK RD STE 129 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $173 | $19 | $192 | 10.42% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BANNER HEALTH AND AETNA HEALTH | 172 | $1.0M |
| Dental | DELTA DENTAL OF ARIZONA | 234 | $80K |
| Vision | VISION SERVICE PLAN | 90 | $22K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 83 | $8K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 46 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 34 | $26K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 83 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.