| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $0 | $48K | $48K | 1.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $42K | $42K | 1.03% |
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 | 14,104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,831 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,002 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPLOYER DIRECT HEALTHCARE, LLC | 14,104 | $9K |
| Vision | VISION SERVICE PLAN | 11,390 | $961K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16,799 | $4.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16,799 | $4.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16,799 | $4.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18,251 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,251 | — |
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.