| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | PO BOX 50435 INDIANAPOLIS, IN 46250 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | — | $30K | 8.51% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 4.30% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | PO BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 12.46% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON STE 233 TEMPE, AZ 85281 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.27% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | PO BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $643 | $2K | 12.47% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON STE 233 TEMPE, AZ 85281 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.27% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | PO BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $593 | $2K | 12.12% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON STE 233 TEMPE, AZ 85281 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.41% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | PO BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $536 | $2K | 12.66% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHGTINO STE 233 TEMPE, AZ 85281 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $852 | — | $852 | 6.29% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | PO BOX 50435 INDIANAPOLIS, IN 46250 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.38% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $303 | — | $303 | 2.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CINGA HEALTH AND LIFE INSUR COMPANY EIN 59-1031071 ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $97K |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 393 | $355K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 393 | $355K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 271 | $13K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 164 | $30K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $17K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.