| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | PO BOX 412703 BOSTON, MA 02241 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $41K | $42K | 2.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4703 EAST CAMP LOWELL, SUITE 101 TUCSON, AZ 85712 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $294 | $294 | 0.02% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $66 | $22K | 11.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $92 | $92 | 0.05% |
| CAROL E MONTGOMERY3 Filed as: CAROL E. MONTGOMERY | 519 SOUTH 5TH AVENUE TUCSON, AZ 85701 | AFLAC | $2K | $0 | $2K | 4.10% |
| MJ INSURANCE3 Filed as: RACHEL S. DAY AND VARIOUS AGENTS | 5533 EAST 24TH STREET TUCSON, AZ 85711 | AFLAC | $2K | $0 | $2K | 3.21% |
| SETH G KNOWLTON3 Filed as: SETH G. KNOWLTON | 11396 NORTH SILVER PHEASANT LOOP ORO VALLEY, AZ 85737 | AFLAC | $466 | $0 | $466 | 0.97% |
| KIMBERLY J RODRIGUEZ3 Filed as: KIMBERLY J. RODRIGUEZ | 37057 SOUTH GAMBEL QUAIL DRIVE MARANA, AZ 85658 | AFLAC | $443 | $0 | $443 | 0.93% |
| JIM EDWARD WARNER3 | 30112 EAST SLATER LANE MARANA, AZ 85658 | AFLAC | $244 | $0 | $244 | 0.51% |
| DONALD GREEN3 Filed as: DONALD A. GREEN | 4719 SOUTH HARVEST MOON DRIVE GREEN VALLEY, AZ 85622 | AFLAC | $233 | $0 | $233 | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $215 | $0 | $215 | 0.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | EMPLOYERS DENTAL SERVICES | $1K | $0 | $1K | 7.94% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $1.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $213K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $1.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $196K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $196K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $196K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $1.9M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.