| 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 | BLUE CROSS BLUE SHIELD OF ARIZONA | $43K | — | $43K | 5.49% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 2800 N CENTRAL AVE, STE 1100 PHOENIX, AZ 85004 | DENTAL DENTAL OF ARIZONA | $7K | — | $7K | 10.17% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $547 | $2K | 2.91% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $900 | $900 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $501 | $219 | $720 | 2.87% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $376 | $376 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $474 | $213 | $687 | 2.90% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $355 | $355 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $438 | $207 | $645 | 2.95% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $328 | $328 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $773 | — | $773 | 7.25% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53 | $27 | $80 | 3.02% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $40 | $40 | 1.51% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 164 | $783K |
| Dental | DENTAL DENTAL OF ARIZONA | 162 | $66K |
| Vision | VISION SERVICE PLAN | 81 | $11K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $48K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 55 | $60K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 164 | $783K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
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.