| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 1.54% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 741259 LOS ANGELES, CA 90074 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $34 | $24K | 5.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.35% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | $3K | $1K | 0.32% |
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 | 771 | 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) | 771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 895 | $442K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,051 | $62K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 771 | $678K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 771 | $678K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 771 | $678K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 771 | $692K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,051 | — |
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."
No prospect flags tripped on this filing.