| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 NORTH NORTHSIGHT BOULEVARD SUITE 221 SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $21K | $0 | $21K | 2.94% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | BLUE CROSS BLUE SHIELD OF ARIZONA | $12K | $0 | $12K | 1.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 NORTH NORTHSIGHT BOULEVARD SUITE 221 SCOTTSDALE, AZ 85260 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 3.27% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | UNION SECURITY INSURANCE COMPANY | $1K | $0 | $1K | 1.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 NORTH NORTHSIGHT BOULEVARD SUITE 221 SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $273 | $6K | 9.75% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.92% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.79% |
| CHRISTINA M. EADES3 | 15411 WEST WADDELL ROAD, SUITE 102 SURPRISE, AZ 85379 | AFLAC | $3K | $431 | $3K | 10.26% |
| ANGELONE & ASSOCIATES, INC.3 Filed as: ANGELONE AND ASSOCIATES, INC. | 14300 NORTH NORTHSIGHT BOULEVARD SUITE 221 SCOTTSDALE, AZ 85260 | AFLAC | $1K | $0 | $1K | 3.10% |
| MJ INSURANCE3 Filed as: GLEN DOUGLAS GABLE & VARIOUS AGENTS | 3521 SOUTH CAMELLIA PLACE CHANDLER, AZ 85248 | AFLAC | $671 | $121 | $792 | 2.42% |
| ALYSSA CHAPIN3 | 11518 WEST COLUMBINE DRIVE EL MIRAGE, AZ 85335 | AFLAC | $373 | $205 | $578 | 1.76% |
| LISA MARIE COFFEY3 | 18232 WEST EVA STREET WADDELL, AZ 85355 | AFLAC | $207 | $122 | $329 | 1.00% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DRIVE NW SUITE G HUNTSVILLE, AL 35805 | AFLAC | $214 | $23 | $237 | 0.72% |
| MULLIGAN BENEFITS LLC Filed as: MULLIGAN BENEFITS, LLC | 24654 NORTH LAKE PLEASANT PARKWAY SUITE 103-417 PEORIA, AZ 85383 | AFLAC | $163 | $0 | $163 | 0.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 NORTH NORTHSIGHT BOULEVARD SUITE 221 SCOTTSDALE, AZ 85260 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $556 | $0 | $556 | 5.80% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $403 | $0 | $403 | 4.20% |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 134 | $699K |
| Dental | UNION SECURITY INSURANCE COMPANY | 194 | $69K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 134 | $709K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 238 | $59K |
| Short-term disability | AFLAC | 25 | $33K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 238 | $59K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 134 | $699K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 238 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.