| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | BLUE CROSS BLUE SHIELD OF ARIZONA | $38K | $0 | $38K | 2.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD OF ARIZONA | $26K | $0 | $26K | 2.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $0 | $8K | 9.91% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 5.97% |
| LOVITT AND TOUCHE, INC.3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $9K | 13.39% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET, SUITE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 4.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 32702 TUCSON, AZ 85751 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $206 | $5K | 12.52% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 4.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $33 | $33 | 0.09% |
| UNKNOWN3 | UNKNOWN TUCSON, AZ 85705 | MEMD | $954 | $0 | $954 | 33.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7202 EAST ROSEWOOD STREET, SUITE 20 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $228 | $134 | $362 | 15.86% |
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 | 371 | 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) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 166 | $1.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 165 | $124K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 165 | $85K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 371 | $69K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 371 | $67K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 371 | $67K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 166 | $1.3M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 371 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.