| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $7K | 6.77% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 4.58% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $486 | $2K | 1.90% |
| LIAZON BENEFITS INC5 Filed as: LIAZON CORPORATION | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.18% |
| LIAZON BENEFITS INC5 Filed as: LIAZON CORPORATION | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $980 | $980 | 0.89% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE | PO BOX 32702 TUCSON, AZ 85751 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 13.44% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE, INC | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85710 | EMPLOYER DENTAL SERVICES | $690 | $0 | $690 | 8.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE | 1050 7202 EAST ROSEWOOD TUCSON, AZ 85710 | MEMD | $215 | $0 | $215 | 17.09% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ARIZONA | 180 | $1.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 108 | $82K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 108 | $73K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $110K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $110K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $110K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ARIZONA | 180 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.