| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | PO BOX 741259 LOS ANGELES, CA 88815 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $86K | $100K | 4.64% |
| ALL PRO BENEFITS LLC3 Filed as: ALL PRO BENEFITS, LLC | 675 MADISON AVENUE AURORA, OH 44202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.90% |
| SANDS CHEVROLET LLC3 Filed as: SANDS CHEVROLET, LLC | 16991 WEST WADDELL ROAD SURPRISE, AZ 85388 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 32702 TUCSON, AZ 85751 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $552 | $4K | 17.29% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $245 | $1K | 6.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 32702 TUCSON, AZ 85751 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.34% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $983 | $554 | $2K | 7.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 32702 TUCSON, AZ 85751 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $350 | $2K | 17.69% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $650 | $156 | $806 | 6.20% |
| ALL PRO BENEFITS LLC3 Filed as: ALL PRO BENEFITS, LLC | 675 MADISON AVENUE AURORA, OH 44202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $867 | $0 | $867 | 10.51% |
| SANDS CHEVROLET LLC3 Filed as: SANDS CHEVROLET, LLC | 16991 WEST WADDELL ROAD SURPRISE, AZ 85388 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $371 | $0 | $371 | 4.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 32702 TUCSON, AZ 85751 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $755 | $102 | $857 | 17.03% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $252 | $45 | $297 | 5.90% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 521 | $2.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 521 | $2.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 521 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 252 | $127K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $24K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $13K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 521 | $2.1M |
| Other(5 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 252 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.