| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $0 | $0 | $0 | 0.00% |
| HAYS COMPANIES, INC. Filed as: HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF ARIZONA | $0 | $0 | $0 | 0.00% |
| HAYS COMPANIES, INC. Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF ARIZONA | $0 | $0 | $0 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.20% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $635 | $635 | 0.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD # 221 SCOTTSDALE, AZ 852600000 | DELTA DENTAL OF ARIZONA | $0 | $0 | $0 | 0.00% |
| HAYS COMPANIES, INC. Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 10.98% |
| HUGH B DEMAREST Filed as: HUGH BRIAN DEMAREST | 746 E EUGIE AVE PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 10.64% |
| JEANETTE Y DURRANI | 11 S. CENTRAL AVE APT 2115 PHOENIX, AZ 85004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $864 | $0 | $864 | 3.00% |
| ANTHONY J WHITBY | 1122 S N. 28TH DR STE 0216 PHOENIX, AZ 85029 | CONTINENTAL AMERICAN INSURANCE COMPANY | $770 | $0 | $770 | 2.67% |
| JASON E. ANGEL Filed as: JASON E ANGEL | 5339 W MOUNTAIN VIEW GLENDALE, AZ 85302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD # 221 SCOTTSDALE, AZ 852600000 | DELTA DENTAL OF ARIZONA | $0 | $0 | $0 | 0.00% |
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 | 890 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 892 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 592 | $654K |
| Dental | DELTA DENTAL OF ARIZONA | 636 | $27K |
| Vision | DELTA DENTAL OF ARIZONA | 611 | $62K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,127 | $242K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,127 | $242K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 592 | $654K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 592 | $654K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,127 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,127 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.