| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 | 2525 E ARIZONA BILTMORE CIR D-144 PHOENIX, AZ 850162146 | BLUE CROSS BLUE SHIELD OF ARIZONA | $62K | $207 | $62K | 15.27% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | BLUE CROSS BLUE SHIELD OF ARIZONA | $6K | $0 | $6K | 1.50% |
| EMPLOYEE BENEFITS INTERNATIONAL3 Filed as: EMPLOYEE BENEFITS INTERNATIONAL OH | 4700 ROCKSIDE ROAD STE 505 INDEPENDENCE, OH 44131 | BLUE CROSS BLUE SHIELD OF ARIZONA | $6K | $0 | $6K | 1.46% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 | 2525 E ARIZONA BILTMORE CIR D-144 PHOENIX, AZ 850162146 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $39 | $16K | 6.05% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85721 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $5K | 1.75% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 | 2525 E ARIZONA BILTMORE CIR D-144 PHOENIX, AZ 850162146 | HARTFORD LIFE AND ACCIDENT | $22K | $0 | $22K | 8.86% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 1.08% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 | 2525 E ARIZONA BILTMORE CIR D-144 PHOENIX, AZ 850162146 | VISION SERVICE PLAN | $3K | $0 | $3K | 9.18% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 7202 E ROSEWOOD ST STE 200 TUCSON, AZ 857101353 | VISION SERVICE PLAN | $285 | $0 | $285 | 0.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 CLAIMS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $316K |
| COUNSELING FAMILY RESOURCES LTD EIN 86-0438139 SERVICE PROVIDER | Other services Service code 49 | — | $5K |
| AMERICAN SPECIALTY HEALTH SYSTEMS EIN 33-0938349 SERVICE PROVIDER | Other services Service code 49 | — | $0 |
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 | 347 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 347 | $407K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $265K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 347 | $442K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 445 | $248K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 445 | $248K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 445 | $248K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 347 | $407K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 347 | $407K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 445 | $655K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.