| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD OF ARIZONA | $98K | — | $98K | 5.27% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE | UNKNOWN TUCSON, AZ 85712 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 13.79% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | UNKNOWN PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 4.60% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | UNKNOWN CONCORD, CA 94520 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 0.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $53 | $4K | 5.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $862 | $862 | 0.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $126 | $126 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 6279 TRI RIDGE BOULEVARD SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $80 | $80 | 0.09% |
| KAITLIN RENE CZARNECKI3 | 15385 EAST CAMINO DOROTEA VAIL, AZ 85641 | AFLAC | $822 | $0 | $822 | 6.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $423 | $0 | $423 | 3.55% |
| MARK HILL AND OTHER AGENTS3 | 5188 EAST PARK VISTA DRIVE TUCSON, AZ 85756 | AFLAC | $263 | $0 | $263 | 2.21% |
| SETH G KNOWLTON3 Filed as: SETH G. KNOWLTON | 11396 NORTH SILVER PHEASANT LOOP ORO VALLEY, AZ 85737 | AFLAC | $261 | $0 | $261 | 2.19% |
| KELLY MCGARRY3 | 4742 NORTH ORACLE ROAD SUITE 210 TUCSON, AZ 85705 | AFLAC | $164 | $0 | $164 | 1.38% |
| BRITTON L JOHNSON3 Filed as: BRITTON L. JOHNSON | 3220 NORTH ACADEMY BOULEVARD SUITE 1 COLORADO SPRINGS, CO 80917 | AFLAC | $142 | $0 | $142 | 1.19% |
| SCOTT WOOD3 Filed as: SCOTT J. KOSTEL | 9566 EAST WINDROSE DRIVE SCOTTSDALE, AZ 85260 | AFLAC | $84 | $0 | $84 | 0.71% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | PO BOX 741259 LOS ANGELES, CA 90074 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | — | $2K | 13.32% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 231 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 291 | $87K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 223 | $12K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 145 | $173K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 145 | $173K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 145 | $173K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 231 | $1.9M |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 145 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
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.