| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD OF ARIZONA | $42K | $0 | $42K | 4.03% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | BLUE CROSS BLUE SHIELD OF ARIZONA | $9K | $0 | $9K | 0.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $15K | $1K | $16K | 10.83% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $8K | $8K | 5.42% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $7K | 12.19% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, SUITE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 4.47% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 15.71% |
| BRYAN G CORBIN LLC3 Filed as: BRYAN G. CORBIN LLC | 8612 WEST MARY ANN DRIVE PEORIA, AZ 85382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 7.68% |
| ALEXANDRA JACOBI3 Filed as: ALEXANDRA C. DIBIASILLC | PO BOX 72105 PHOENIX, AZ 85050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $905 | $0 | $905 | 5.34% |
| JASON E. ANGEL3 | 5339 WEST MOUNTAIN VIEW GLENDALE, AZ 85302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $250 | $0 | $250 | 1.48% |
| RYAN KADAVY3 | 8542 WEST FOOTHILL DRIVE PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $237 | $0 | $237 | 1.40% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M. GUTHRIE | 14227 NORTH 14TH STREET PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.11% |
| TIMOTHY KNEIDEL3 Filed as: TIMOTHY W. KNEIDEL | 28631 NORTH 45TH WAY CAVE CREEK, AZ 85331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.09% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 152 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 186 | $151K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 186 | $151K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $61K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $61K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $61K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 152 | $1.0M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.