| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $37K | $37K | 1.59% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 741259 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $24K | — | $24K | 1.05% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 7202 E ROSEWOOD, SUITE 200 TUCSON, AZ 85710 | HARTFORD LIFE AND ACCIDENT | — | $222 | $222 | 2.11% |
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 | 1,987 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,002 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 5,960 | $1.4M |
| Dental | EMPLOYERS DENTAL SERVICES | 448 | $56K |
| Vision | VISION SERVICE PLAN | 2,045 | $385K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,987 | $2.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,987 | $2.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,987 | $2.3M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 5,960 | $1.4M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,043 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,960 | — |
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.