| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $197K | $2K | $199K | 7.33% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $6K | $13K | 17.98% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $6K | $11K | 23.06% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $3K | $8K | 16.28% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.77% |
| JOHNSON RESOURCES3 | 7373 DOUBLETREE RANCH 200 SCOTTSDALE, AZ 85258 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $428 | — | $428 | 1.75% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $651 | $2K | 15.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| E4 HEALTH INC EIN 45-3351045 SERVICE PROVIDER | Other services Service code 49 | — | $7K |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 659 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 659 | $2.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 426 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $46K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $73K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $47K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 659 | $2.7M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.