| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC. | PO BOX 32702 TUCSON, AZ 85751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $50K | $50K | 1.88% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC. | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | HYATT LEGAL PLANS | $9K | $3K | $12K | 12.98% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC. | PO BOX 32702 TUCSON, AZ 85751 | HYATT LEGAL PLANS | $0 | $566 | $566 | 0.62% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC. | 1050 WEST WASHINGTON STREET TEMPE, AZ 85281 | HYATT LEGAL PLANS | $0 | $65 | $65 | 0.07% |
| PAUL A BYNUM3 | PO BOX 12306 TUCSON, AZ 85732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $660 | $12 | $672 | 2.65% |
| BST COMPANIES INC3 Filed as: BST COMPANIES, INC. | 425 SOUTH FREMONT AVENUE TUCSON, AZ 85719 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $577 | $21 | $598 | 2.36% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD TUCSON, AZ 85710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $495 | $40 | $535 | 2.11% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT TAYLOR ECHOLS & VRS AGENTS | PO BOX 594 THATCHER, AZ 85552 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $393 | $114 | $507 | 2.00% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP. LLC | 5285 EAST WILLIAMS CIRCLE TUCSON, AZ 85711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $352 | $0 | $352 | 1.39% |
| EC BENEFITS INC3 Filed as: EC BENEFITS, INC. | 8038 SOUTH 38TH PLACE PHOENIX, AZ 85042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $282 | $0 | $282 | 1.11% |
| JB & H LLC3 Filed as: JB & H, LLC | 8707 EAST SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $249 | $31 | $280 | 1.10% |
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 | 3,606 | 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) | 3,606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EMPLOYERS DENTAL SERVICES | 1,231 | $142K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 4,222 | $295K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,606 | $2.6M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,606 | $2.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,606 | $2.6M |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,640 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,222 | — |
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.