| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 2710 EAST CAMELBACK ROAD, SUITE 210 PHOENIX, AZ 85016 | AETNA LIFE INSURANCE COMPANY | $296K | $0 | $296K | 4.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | AETNA LIFE INSURANCE COMPANY | $3K | $36K | $39K | 0.57% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 3200 EAST CAMELBACK ROAD, SUITE 129 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 0.40% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 2710 EAST CAMELBACK ROAD, SUITE 210 PHOENIX, AZ 85016 | AETNA HEALTH OF CALIFORNIA INC. | $35K | $0 | $35K | 4.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 3200 EAST CAMELBACK ROAD, SUITE 129 PHOENIX, AZ 85018 | AETNA HEALTH OF CALIFORNIA INC. | $3K | $0 | $3K | 0.33% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | $0 | $49K | 6.90% |
| PETER J MACE3 Filed as: PETER J. MACE | 5775 D GLENRIDGE DRIVE, SUITE 350 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 0.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.33% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | PO BOX 1414 MINNEAPOLIS, MN 55480 | KAISER FOUNDATION HEALTH PLAN INC | $25K | $0 | $25K | 3.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $1K | $1K | 0.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 6701 CENTER DRIVE WEST SUITE 1500 LOS ANGELES, CA 90045 | EYEMED VISION CARE | $8K | $0 | $8K | 8.27% |
| HAYS COMPANIES, INC.3 Filed as: HAYS OF CA INSURANCE SERVICES | 2301 ROSECRANS AVENUE MANHATTAN BEACH, CA 90245 | EYEMED VISION CARE | $3K | $0 | $3K | 3.12% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 5.03% |
| PETER J MACE3 Filed as: PETER J. MACE | 5775 D GLENRIDGE DRIVE, SUITE 350 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $801 | $0 | $801 | 1.41% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | FIRST UNUM LIFE INSURANCE COMPANY | $950 | $0 | $950 | 6.20% |
| PETER J MACE3 | 5775 E GLENRIDGE DRIVE, SUITE 350 ATLANTA, GA 30328 | FIRST UNUM LIFE INSURANCE COMPANY | $497 | $0 | $497 | 3.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | FIRST UNUM LIFE INSURANCE COMPANY | $213 | $0 | $213 | 1.39% |
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 | 1,400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,446 | $8.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,446 | $6.9M |
| Vision | EYEMED VISION CARE | 1,434 | $97K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 981 | $779K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 981 | $707K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 981 | $707K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,446 | $8.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 981 | $714K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,446 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.