| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC. | 1050 W. WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.01% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC. | 1050 W. WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $528 | $528 | 1.04% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC. | 1050 W. WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $472 | $472 | 0.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LL | 14300 N. NORTHSIGHT BLVD. SUITE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LL | 14300 N. NORTHSIGHT BLVD. SUITE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 15.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC. | 1050 W. WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $39 | $39 | 1.10% |
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 | 763 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 790 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,208 | $49K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 657 | $143K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $48K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 657 | $51K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 657 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,208 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.