| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 2710 EAST CAMELBACK ROAD STE. 210 PHOENIX, AZ 85016 | AETNA LIFE INSURANCE CO. | $48K | $8K | $55K | 2.30% |
| PEGASUS FINANCIAL GROUP, INC.3 | 515 SOUTH FLOWER STREET STE. 3210 LOS ANGELES, CA 90071 | AETNA LIFE INSURANCE CO. | $29K | — | $29K | 1.23% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 3200 EAST CAMELBACK ROAD STE. 129 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE CO. | $21K | — | $21K | 0.89% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 2710 EAST CAMELBACK ROAD STE. 210 PHOENIX, AZ 85016 | AETNA HEALTH, INC. | $23K | — | $23K | 2.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 3200 EAST CAMELBACK ROAD STE. 129 PHOENIX, AZ 85018 | AETNA HEALTH, INC. | $11K | $12K | $23K | 1.95% |
| PEGASUS FINANCIAL GROUP, INC.3 | 515 SOUTH FLOWER STREET STE. 3210 LOS ANGELES, CA 90071 | AETNA HEALTH, INC. | $14K | — | $14K | 1.19% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 18201 VON KARMAN AVENUE STE 1020 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43K | — | $43K | 9.51% |
| PEGASUS FINANCIAL GROUP, INC.3 | 515 SOUTH FLOWER STREET STE. 3210 LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 2.11% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC THE | DBA HAYS OF CALIFORNIA INS SERVICES 2301 ROSECRANS AVENUE STE 4130 EL SEGUNDO, CA 90245 | AMERITAS LIFE INSURANCE CORP. | $4K | $0 | $4K | 7.94% |
| PEGASUS FINANCIAL GROUP, INC.3 | 515 SOUTH FLOWER STREET STE. 3210 LOS ANGELES, CA 90071 | AMERITAS LIFE INSURANCE CORP. | $1K | $0 | $1K | 2.06% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 2301 ROSECRANS AVENUE STE. 4130 EL SEGUNDO, CA 90245 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.07% |
| PEGASUS FINANCIAL GROUP, INC.3 | 515 SOUTH FLOWER STREET STE. 3210 LOS ANGELES, CA 90071 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $306 | — | $306 | 1.93% |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 348 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 288 | $451K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 288 | $502K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 288 | $451K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 288 | $451K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 288 | $467K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.