| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | PO BOX 741259 LOS ANGELES, CA 90074 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $26K | $26K | 4.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK, GOULD AND ASSOCIATES | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 2.36% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | PO BOX 32702 TUCSON, AZ 85751 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $764 | $764 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTER DRIVE, SUITE 100 SAN DIEGO, CA 92122 | DELTA DENTAL OF ARIZONA | $3K | $0 | $3K | 11.24% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $261 | $3K | 15.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK, GOULD AND ASSOCIATES | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $24 | $1K | 6.24% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | PO BOX 32702 TUCSON, AZ 85751 | AVESIS INSURANCE INCORPORATED | $1K | $0 | $1K | 11.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK, GOULD AND ASSOCIATES | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | AVESIS INSURANCE INCORPORATED | $316 | $0 | $316 | 3.55% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 102 | $613K |
| Dental | DELTA DENTAL OF ARIZONA | 64 | $22K |
| Vision | AVESIS INSURANCE INCORPORATED | 154 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 74 | $19K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 74 | $19K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 102 | $613K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 74 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.