| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $0 | $41K | 8.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $68 | $68 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $17K | $32K | 8.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8605 EAST RAINTREE DRIVE, SUITE 200 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $3K | — | $3K | 4.87% |
| UNKNOWN3 | UNKNOWN TUCSON, AZ 85756 | TELADOC HEALTH, INC. | $3K | — | $3K | 10.00% |
| LOVITT AND TOUCHE, INC.3 | 4703 EAST CAMP LOWELL DRIVE SUITE 101 TUCSON, AZ 85712 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $2K | $0 | $2K | 10.19% |
| USI INSURANCE SERVICES LLC4 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $450 | — | $450 | 2.20% |
| KENYATTA T. TURNER4 | PO BOX 36812 PHOENIX, AZ 85067 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $30 | — | $30 | 0.15% |
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 | 1,096 | 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) | 1,096 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 960 | $512K |
| Vision | VISION SERVICE PLAN | 598 | $70K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,096 | $371K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,096 | $371K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,096 | $371K |
| Prescription drug | RX BENEFITS, INC. | 1,096 | $0 |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,655 | $966K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,655 | — |
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.