| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET BUFFALO, NY 14204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $9K | $9K | 4.96% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE, INC. | 1050 W WASHINGTON STREET, SUITE 233 TEMPE, AZ 85281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 2.74% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE, INC. | P.O. BOX 32702 TUCSON, AZ 85751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 9.75% |
| BEV CAP MANAGEMENT LLC3 | 120 WEST VIRGINIA STREET, SUITE 200 MCKINNEY, TX 75069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.54% |
| BEV CAP MANAGEMENT LLC3 | 120 WEST VIRGINIA STREET, SUITE 200 MCKINNEY, TX 75069 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE, INC. | P.O. BOX 32702 TUCSON, AZ 85751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $483 | $4K | 8.81% |
| BEV CAP MANAGEMENT LLC3 | 120 WEST VIRGINIA STREET, SUITE 200 MCKINNEY, TX 75069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.21% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE, INC. | P.O. BOX 32702 TUCSON, AZ 85751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $354 | $3K | 7.05% |
| BEV CAP MANAGEMENT LLC3 | 120 WEST VIRGINIA STREET, SUITE 200 MCKINNEY, TX 75069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.90% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE, INC. | P.O. BOX 32702 TUCSON, AZ 85751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $945 | $424 | $1K | 9.64% |
| BEV CAP MANAGEMENT LLC3 | 120 WEST VIRGINIA STREET, SUITE 200 MCKINNEY, TX 75069 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $759 | — | $759 | 5.34% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 530 | $234K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 530 | $234K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $70K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $37K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $47K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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."
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.