| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 7202 E ROSEWOOD ST STE 200 TUCSON, AZ 857101353 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $69K | $69K | 4.72% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 12.46% |
| CAROL E MONTGOMERY3 | 2404 E DRACHMAN ST TUCSON, AZ 85719 | AFLAC | $3K | — | $3K | 4.57% |
| KIMBERLY RODRIGUEZ3 | 37057 S GAMBEL QUAIL DR MARANA, AZ 85658 | AFLAC | $2K | $99 | $2K | 2.86% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | P O BOX 32702 TUCSON, AZ 85751 | AFLAC | $962 | — | $962 | 1.31% |
| LAUREL L HARLOW3 Filed as: LAUREL HARLOW | 3755 NORTH BUSINESS CNETRE DR STE 4 TUCSON, AZ 85705 | AFLAC | $745 | $31 | $776 | 1.05% |
| SETH G KNOWLTON3 Filed as: SETH KNOWLTON | P O BOX 68766 TUCSON, AZ 85737 | AFLAC | $765 | — | $765 | 1.04% |
| ZAKERY HARLOW3 | 3755 N BUSINESS CENTER DR TUCSON, AZ 85705 | AFLAC | $561 | $31 | $592 | 0.80% |
| RACHEL DAY3 | 5533 E 24TH STREET TUCSON, AZ 85711 | AFLAC | $343 | $58 | $401 | 0.54% |
| DONALD GREEN3 | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $358 | — | $358 | 0.49% |
| LESLIE J BAILEY3 Filed as: LESLIE BAILEY | 4234 N PORTAGE AVE MERIDIAN, ID 83646 | AFLAC | $242 | — | $242 | 0.33% |
| NICHOLAS J DONIA3 Filed as: NICHOLAS DONIA | 843 W CALLE MURO FUERTE SAHUARITA, AZ 85629 | AFLAC | $231 | — | $231 | 0.31% |
| MICHAEL LOUIS D'ANGELO3 Filed as: MICHAEL D'ANGELO | 8251 N SUWANNEE DRIVE TUCSON, AZ 85741 | AFLAC | $213 | — | $213 | 0.29% |
| JENNIFER GOOCH3 | 4897 W HURSTON DR TUCSON, AZ 85742 | AFLAC | $193 | — | $193 | 0.26% |
| PATTY J NATIONS3 Filed as: PATTY NATIONS | 7850 N SILVERBELL RD #114-310 TUCSON, AZ 85743 | AFLAC | $158 | — | $158 | 0.21% |
| MARK HILL3 | P O BOX 85715 TUCSON, AZ 85754 | AFLAC | $158 | — | $158 | 0.21% |
| SCOTT WEBB3 | 2155 W PINNACLE PEAK RD STE 205 PHOENIX, AZ 85027 | AFLAC | $145 | — | $145 | 0.20% |
| PREFERRED MARKETING CORP3 | 1194 E LAKEVIEW DR SAN TAN VALLEY, AZ 85143 | AFLAC | $85 | — | $85 | 0.12% |
| JACK GATHINGS3 | 7235 S GOLFSIDE LANE PHOENIX, AZ 85042 | AFLAC | $64 | — | $64 | 0.09% |
| SHELLEY A MATSON3 Filed as: SHELLEY MATSON | 11529 N KRISCOTT COURT TUCSON, AZ 85737 | AFLAC | $27 | — | $27 | 0.04% |
| CHAD P SCHNEIDER3 Filed as: CHAD SCHNEIDER | 14430 BENEFIT ST APT 308 SHERMAN OAKS, CA 91423 | AFLAC | $11 | — | $11 | 0.01% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY KLEINMAN SR | 3420 E SHEA BLVD STE 168 PHOENIX, AZ 85028 | AFLAC | $6 | — | $6 | 0.01% |
| NATALIE MALHAM3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $5 | — | $5 | 0.01% |
| MICHAEL G GLADNICK3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $5 | — | $5 | 0.01% |
| SHARON MCKELVEY3 | 197 N NOTTINGHAM LN LOT 3 PAYSON, AZ 85541 | AFLAC | $4 | — | $4 | 0.01% |
| JOHN BURLEY3 | 3060 W CALLE LUCINDA TUCSON, AZ 85741 | AFLAC | $4 | — | $4 | 0.01% |
| JEFFERY S GIBSON3 Filed as: JEFFERY GIBSON | 14301 N 87TH ST STE 313 SCOTTSDALE, AZ 85260 | AFLAC | $3 | — | $3 | 0.00% |
| JULIA ANN COAST3 Filed as: JULIA COAST | 1409 E MALIBU DR TEMPE, AZ 85282 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL G RYAN3 Filed as: MICHAEL RYAN | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $2 | — | $2 | 0.00% |
| LINDA J DOSS3 Filed as: LINDA DOSS | 6556 S VAN BUREN AVE TUCSON, AZ 85756 | AFLAC | $1 | — | $1 | 0.00% |
| TIMOTHY MARTIN3 | 20516 N 80TH LN PEORIA, AZ 85382 | AFLAC | $1 | — | $1 | 0.00% |
| SHAWN HOLTORF3 | 6234 WEST DEHREND DR APT 1135 GLENDALE, AZ 85308 | AFLAC | $1 | — | $1 | 0.00% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA MCNAUGHTON | 10000 N 31ST AVE STE C107 PHOENIX, AZ 85051 | AFLAC | $1 | — | $1 | 0.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | AMERITAS LIFE INSURANCE COMPANY | $2K | $521 | $3K | 6.75% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | EMPLOYERS DENTAL SERVICES | $2K | — | $2K | 7.96% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 391 | $1.5M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE COMPANY | 223 | $66K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 107 | $41K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 176 | $81K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 176 | $81K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 176 | $81K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 176 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.