| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 20410 N. 19TH, SUITE 200 PHOENIX, AZ 85027 | AETNA HEALTH, INC. | — | $14K | $14K | 1.05% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 2710 E. CAMELBACK ROAD, SUITE 210 PHOENIX, AZ 85016 | AETNA HEALTH, INC. | — | $957 | $957 | 0.07% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.78% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 2710 E. CAMELBACK ROAD, SUITE 210 PHOENIX, AZ 85016 | AETNA LIFE INSURANCE CO. | — | $46 | $46 | 0.07% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 18201 VON KARMAN AVENUE, SUITE 1020 IRVINE, CA 926127115 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 7.41% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 303395946 | AMERITAS LIFE INSURANCE CORP. | $672 | — | $672 | 2.59% |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 304 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $106K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 191 | $26K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $55K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $55K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 304 | $1.3M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.