| 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 | $29K | $0 | $29K | 2.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD OF ARIZONA | $27K | $0 | $27K | 2.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 32702 TUCSON, AZ 85751 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $818 | $5K | 6.08% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $435 | $9K | 16.28% |
| CHRISTINA M. EADES3 | 15411 WEST WADDELL ROAD, SUITE 102 SURPIRSE, AZ 85379 | AFLAC | $1K | $122 | $1K | 5.99% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $663 | $0 | $663 | 2.80% |
| JEANNETTE YVONNE DURRANI3 Filed as: JEANNETTE Y. DURRANI & OTHER AGENTS | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $522 | $49 | $571 | 2.41% |
| ANGELONE & ASSOCIATES, INC.3 Filed as: ANGELONE AND ASSOCIATES INC. | 14300 NORTH NORTHSIGHT BOULEVARD SUITE 221 SCOTTSDALE, AZ 85260 | AFLAC | $194 | $0 | $194 | 0.82% |
| RAYMOND J. MULLIGAN | 8765 WEST KELTON LANE BUILDING B1 PEORIA, AZ 85382 | AFLAC | $166 | $0 | $166 | 0.70% |
| RYAN KADAVY3 Filed as: RYAN L. KADAVY | 8542 WEST FOOTHILL DRIVE PEORIA, AZ 85383 | AFLAC | $150 | $0 | $150 | 0.63% |
| GLEN DOUGLAS GABLE3 | 3521 SOUTH CAMELLIA PLACE CHANDLER, AZ 85248 | AFLAC | $113 | $0 | $113 | 0.48% |
| 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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 131 | $1.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 230 | $74K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 131 | $1.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $56K |
| Short-term disability | AFLAC | 19 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $56K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 131 | $1.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.