| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF AZ INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $5K | $25K | 1.24% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST., STE 700 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $13K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 7.77% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 3200 E. CAMELBACK STE 129 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $450 | $5K | 10.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.09% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 3200 E. CAMELBACK STE 129 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $313 | $3K | 10.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 4.39% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC.-ARIZONA | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 15.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF AZ INC | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $203 | $203 | 1.71% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 3200 E. CAMELBACK STE 129 PHOENIX, AZ 85012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $409 | $21 | $430 | 9.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $174 | $174 | 4.00% |
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 | 349 | 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) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 406 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 349 | $2.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 349 | $2.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 292 | $45K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 40 | $74K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 292 | $28K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 349 | $2.0M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 292 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.