| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $16K | $16K | 1.83% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $15K | $15K | 1.95% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $405 | $405 | 1.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 PROCESSOR AND ADMINISTRA | Claims processing; Contract Administrator Service code 12 | — | $1.1M |
| CAREHERE MANAGEMENT EIN 26-2652933 CLINIC ADMIN | Other services Service code 49 | — | $108K |
| LIFE INSURANCE CO OF NORTH AMERICA EIN 23-1503749 PROCESSOR AND ADMINISTRA | Contract Administrator; Claims processing Service code 12 | — | $85K |
| COUNSELING AND FAMILY RESOURCES LTD EIN 86-0438139 OTHER SEVICES | Other services Service code 49 | — | $43K |
| MEMD EIN 46-3279589 SERVICE PROVIDER | Claims processing Service code 12 | — | $31K |
| BLUE CROSS BLUE SHIELDS OF ARIZONA EIN 86-0004538 CLAIMS ADMINISTRATIO | Claims processing Service code 12 | — | $23K |
| AMERICAN SPECIALITY HEALTH SYSTEMS EIN 33-0938349 SERVICE PROVIDER | Other services Service code 49 | — | $0 |
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 | 1,786 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EMPLOYERS DENTAL SERVICES | 185 | $48K |
| Vision(3 contracts) | VISION SERVICE PLAN | 1,781 | $364K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,794 | $866K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,782 | $753K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,729 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,794 | — |
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."
No prospect flags tripped on this filing.