| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | BLUE CROSS BLUE SHIELD OF ARIZONA | $45K | $0 | $45K | 4.89% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | SUN LIFE ASSURANCE COMPANY OF CANADA | $971 | $681 | $2K | 2.43% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $438 | $9K | 15.75% |
| CHRISTINA M. EADES3 | 15411 WEST WADDELL ROAD, SUITE 102 SURPRISE, AZ 85379 | AFLAC | $2K | $64 | $2K | 6.98% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $1K | $0 | $1K | 3.86% |
| MJ INSURANCE3 Filed as: THOMAS W. RINGWALD & VARIOUS AGENTS | 37231 NORTH 110TH STREET SCOTTSDALE, AZ 85262 | AFLAC | $720 | $7 | $727 | 2.51% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $315 | $3 | $318 | 1.10% |
| ANGELONE & ASSOCIATES, INC.3 Filed as: ANGELONE AND ASSOCIATES, INC. | 14300 NORTH NORTHSIGHT BOULEVARD SUITE 221 SCOTTSDALE, AZ 85260 | AFLAC | $279 | $0 | $279 | 0.96% |
| GEORGE PADRON3 | 832 EAST VOLK LANE SAN TAN VALLEY, AZ 85140 | AFLAC | $164 | $0 | $164 | 0.57% |
| RAYMOND J. MULLIGAN3 | 8765 WEST KELTON LANE BUILDING 81 PEORIA, AZ 85382 | AFLAC | $146 | $0 | $146 | 0.50% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | UNION SECURITY INSURANCE COMPANY | $663 | $0 | $663 | 4.98% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 158 | $926K |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 282 | $81K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 158 | $938K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 282 | $58K |
| Short-term disability | AFLAC | 25 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 282 | $58K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 158 | $926K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 282 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.