| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $4K | $13K | 9.62% |
| NATIONAL BENEFIT CONSULTANTS, INC.3 Filed as: NATIONAL BENEFIT CONSULTANTS INC | 4514 E CHUCKWALLA CANYON PHOENIX, AZ 85044 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 11.10% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 7202 E ROSEWOOD STE 200 TUCSON, AZ 85710 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 5.97% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | EYEMED VISION CARE | $2K | — | $2K | 9.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LOVITT TOUCHE INC EIN 86-0490754 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $51K |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 326 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 441 | $130K |
| Vision | EYEMED VISION CARE | 273 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 441 | $130K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 112 | $41K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 441 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.