| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC. | UNKNOWN TUSCON, AZ 85756 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.12% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD 2ND FLOOR, SUITE 200 TUSCON, AZ 85710 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 1.56% |
| MJ INSURANCE3 Filed as: SETH G. KNOWLTON AND VARIOUS AGENTS | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $1K | $77 | $1K | 5.10% |
| CATHERINE DAVIS3 Filed as: CATHERINE B. DAVIS | 9160 EAST LOMA LINDA PLACE TUCSON, AZ 85749 | AFLAC | $886 | $208 | $1K | 4.11% |
| TREVOR BRYAN DAVIS3 | 9160 EAST LOMA LINDA PLACE TUCSON, AZ 85749 | AFLAC | $485 | $86 | $571 | 2.14% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $466 | $0 | $466 | 1.75% |
| PATTY J NATIONS3 Filed as: PATTY J. NATIONS | 7850 NORTH SILVERBELL ROAD #114-310 TUCSON, AZ 85743 | AFLAC | $363 | $0 | $363 | 1.36% |
| SUSAN MULLIGAN3 Filed as: SUSAN B. MULLIGAN | 818 SOUTH MANN AVENUE TUCSON, AZ 85710 | AFLAC | $346 | $0 | $346 | 1.30% |
| JOHN PATTON3 | 13497 EAGLE NEST COURT CORONA, CA 92880 | AFLAC | $277 | $62 | $339 | 1.27% |
| JOHNSON RESOURCES3 | 7373 EAST DOUBLETREE RANCH SUITE 200 SCOTTSDALE, AZ 85258 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $531 | $0 | $531 | 2.00% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 273 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 190 | $158K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 401 | $27K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 352 | $113K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 352 | $113K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 352 | $113K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 273 | $2.0M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 585 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.