| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF ARIZONA | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | DELTA DENTAL OF ARIZONA | $8K | — | $8K | 5.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST., STE 700 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 3200 E. CAMELBACK STE 129 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 3200 E. CAMELBACK STE 129 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.70% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC.-ARIZONA | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 14.76% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 3200 E. CAMELBACK STE 129 PHOENIX, AZ 85012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $492 | — | $492 | 9.74% |
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 | 393 | 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) | 393 | 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 | 425 | $1.9M |
| Dental | DELTA DENTAL OF ARIZONA | 353 | $146K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 425 | $1.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 393 | $56K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $138K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 371 | $41K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 349 | $1.9M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 393 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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."
No prospect flags tripped on this filing.