| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: LOVITT & TOUCHE, MARSH & MCLELLAN | PO BOX 741259 LOS ANGELES, AZ 900741259 | UNITED HEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 1.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES INC. | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 85012 | UNITED HEALTHCARE INSURANCE COMPANY | $255 | — | $255 | 0.02% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC. | PO BOX 741259 LOS ANGELES, CA 90074 | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | $14K | — | $14K | 7.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 4703 E. CAMP LOWELL, SUITE 101 TUCSON, AZ 85712 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| AMCHECK NATIONAL BROKER SERV. CORP.3 | 5030 E. SUNRISE DR. PHOENIX, AZ 85044 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 7202 E ROSEWOOD STE 200 TUCSON, AZ 857512702 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.04% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 E. DOUBLETREE RANCH ROAD SUITE C103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $330 | — | $330 | 1.33% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 BLDG C-2 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $233 | — | $233 | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 4703 E. CAMP LOWELL, SUITE 101 TUCSON, AZ 85712 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $824 | — | $824 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENEFIT GROUP EIN 47-0720154 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 11906 ARBOR STREET, SUITE 100 OMAHA, NE 68144 | $79K |
| MARSHUSA INC. EIN 26-3237576 BROKER | Insurance agents and brokers Service code 22 | LOVITT AND TOUCHE 161 E. WASHINGTON STREET #1200 CONSHOHOCKEN, PA 85044 | $41K |
| PHCS/MULTIPLAN EIN 13-3068979 PPO NETWORK | Other commissions Service code 55 | PO BOX 29380 GENERAL POST OFFICE NEW YORK, NY 10087 | $10K |
| HEALTHIEST YOU EIN 30-0947669 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1945 LAKESIDE DR DALLAS, TX 75057 | $10K |
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 | 338 | 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) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 193 | $1.5M |
| Dental | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | 338 | $176K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 265 | $88K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 147 | $25K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 281 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.