| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $23K | $23K | 2.13% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHING ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 2.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $1.2M |
| LOVITT TOUCHE INC EIN 86-0490754 INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | — | $135K |
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 PROCESSOR AND ADMINISTRA | Contract Administrator; Claims processing Service code 12 | — | $62K |
| COMPSYCH EIN 36-3739783 SERVICE PROVIDER | Other services Service code 49 | — | $43K |
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 | 2,065 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,084 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 4,706 | $1.4M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 4,706 | $1.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,065 | $1.1M |
| Short-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 2,065 | $327 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,065 | $407K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 4,706 | $1.4M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,065 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,706 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.