| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 7202 E ROSEWOOD ST #200 TUCSON, AZ 85710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 9.42% |
| STEVEN R WEINER3 | 13266 WEST MULBERRY DRIVE LITCHFIELD PARK, AZ 85340 | CONTINENTAL AMERICAN INSURANCE COMPANY | $995 | $0 | $995 | 7.30% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS STE4500 TUCSON, AZ 85711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $451 | $0 | $451 | 3.31% |
| ROBERT ALLEN3 | 10752 W ROWEL ROAD PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | $0 | $162 | 1.19% |
| JEANETTE Y DURRANI3 | 11 S CENTRAL AVE APT 2115 PHOENIX, AZ 85004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | $0 | $89 | 0.65% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | $0 | $62 | 0.45% |
| TIMOTHY KNEIDEL3 Filed as: TIMOTHY W KNIEDEL | 28631 N 45TH WAY CAVE CREEK, AZ 85331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | $0 | $40 | 0.29% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS COURT STE 4500 TUCSON, AZ 85711 | UNUM | $2K | $0 | $2K | 23.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE FINANCIAL EIN 38-1082080 NONE | Insurance services; Other services Service code 23 | ONE SUN LIFE EXECUTIVE PARK WELLESLEY HILLS, MA 02481 | $247K |
| RMTS, LLC EIN 20-1049240 NONE | Insurance services; Other services Service code 23 | 101 HUDSEN STREET JERSEY CITY, NJ 07302 | $174K |
| CREST INSURANCE GROUP EIN 85-3775914 NONE | Consulting fees; Participant communication; Insurance services; Other insurance fees and expenses Service code 23 | 5285 E WILLIAM CIRCLE STE 4500 TUCSON, AZ 85711 | $68K |
| LUCENT HEALTH EIN 39-1997579 NONE | Other services; Plan Administrator; Consulting fees; Recordkeeping fees; Other fees; Claims processing Service code 12 | 424 CHURCH STREET STE 2300 NASHVILLE, TN 37219 | $47K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 82-4991898 NONE | Other fees; Direct payment from the plan Service code 50 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $32K |
| AFLAC EIN 57-0514130 NONE | Insurance services; Insurance agents and brokers Service code 22 | 16841 N 31ST AVE PHOENIX, AZ 85053 | $16K |
| NARUS HEALTHCARE EIN 47-1929604 NONE | Participant communication; Other services Service code 38 | 424 CHURCH STREET STE 2300 NASHVILLE, TN 37219 | $9K |
| TELADOC HEALTH, INC EIN 04-3705970 NONE | Participant communication; Consulting fees Service code 38 | 2 MANHATTANVILLE ROAD PURCHASE, NY 10577 | $4K |
| CURALINC HEALTHCARE EIN 33-1206383 NONE | Other services; Participant communication Service code 38 | 314 W SUPERIOR STREET CHICAGO, IL 60654 | $3K |
| MARQUEE HEALTH EIN 46-5472798 NONE | Other services; Participant communication Service code 38 | 233 W ERIE STREET STE 7SW CHICAGO, IL 60654 | $2K |
| BENEFIT RESOURCES EIN 16-1428488 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | 245 KENNETH DRIVE ROCHESTER, NY 14623 | $681 |
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 | 356 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 487 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.