| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF ARIZONA | $9K | — | $9K | 5.98% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SO. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 7.77% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 13.66% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SO. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.51% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62683 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1K | — | -$1K | -4.48% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 14.05% |
| USI INSURANCE SERVICES LLC3 | 2375 E CAMELBACK RD STE 250 PHOENIX, AZ 85016 | UNITED HEALTHCARE INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SO. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $274 | — | $274 | 8.18% |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 419 | $2.5M |
| Dental | DELTA DENTAL OF ARIZONA | 113 | $144K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 419 | $2.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 114 | $44K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 96 | $48K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 114 | $27K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 419 | $2.5M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 114 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.