| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $10K | $41K | 13.25% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $15K | $15K | 4.71% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | AMERITAS LIFE INSURANCE CORPORATION | $13K | $5K | $18K | 7.17% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25K | $0 | $25K | 28.03% |
| STEVEN R WEINER3 Filed as: STEVEN R. WEINER | 13266 WEST MULBERRY DRIVE LITCHFIELD PARK, AZ 85340 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 21.19% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M. GUTHRIE | 14227 NORTH 14TH STREET PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.39% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC | UNKNOWN PHOENIX, AZ 85014 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC | PO BOX 32702 TUSCON, AZ 85751 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 19.75% |
| UNKNOWN3 | UNKNOWN PHOENIX, AZ 85014 | MEMD | $2K | $0 | $2K | 16.03% |
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 | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEMD | 96 | $10K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 1,082 | $253K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 1,082 | $293K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $311K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $311K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $311K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 595 | $433K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,082 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.