| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $18K | $18K | 1.02% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 10.22% |
| MJ INSURANCE3 Filed as: RACHEL S. DAY AND VARIOUS AGENTS | 5533 EAST 24TH STREET TUCSON, AZ 85711 | AFLAC | $2K | $32 | $2K | 3.39% |
| CARLOS E. MONTGOMERY3 | 519 SOUTH 5TH AVENUE TUCSON, AZ 85701 | AFLAC | $1K | $0 | $1K | 2.43% |
| CAROL E MONTGOMERY3 Filed as: CAROL E. MONTGOMERY | 104 SOUTH 3RD AVENUE TUCSON, AZ 85701 | AFLAC | $1K | $0 | $1K | 1.91% |
| KIMBLERLY J. RODRIGUEZ3 | 37057 SOUTH GAMBEL QUAIL DRIVE MARANA, AZ 85658 | AFLAC | $1K | $41 | $1K | 1.81% |
| SETH G KNOWLTON3 Filed as: SETH G. KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $722 | $12 | $734 | 1.22% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $380 | $0 | $380 | 0.63% |
| DONALD GREEN3 Filed as: DONALD A. GREEN | 1611 WEST PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $291 | — | $291 | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | EMPLOYER DENTAL SERVICES | $2K | $0 | $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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 410 | $1.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 319 | $198K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 319 | $172K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 319 | $172K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 319 | $172K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 410 | $1.8M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 319 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.