| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TEMPE, AZ 85751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 12.16% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET, SUITE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 5.00% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $0 | $3K | 10.00% |
| LIAZON BENEFITS INC3 | 199 SCOT STREET, 8TH FLOOR BUFFALO, NY 14204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 5.00% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD 2ND FLOOR, SUITE 200 TUCSON, AZ 85710 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $101 | $101 | 0.32% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TEMPE, AZ 85751 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 10.81% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 4.54% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TEMPE, AZ 85751 | UNITED DENTAL CARE OF ARIZONA, INC. | $284 | $0 | $284 | 7.00% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TEMPE, AZ 85751 | SUN LIFE ASSURANCE COMPANY OF CANADA | $221 | $0 | $221 | 7.01% |
| UNKNOWN3 | UNKNOWN TUCSON, AZ 85705 | MEMD | $410 | $0 | $410 | 14.86% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD 2ND FLOOR, SUITE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $212 | $57 | $269 | 12.68% |
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 | 402 | 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) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEMD | 40 | $3K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 146 | $38K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 146 | $31K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 168 | $82K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 168 | $80K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 168 | $80K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 168 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.