| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | P.O. BOX 32702 TUCSON, AZ 857512702 | ALLSTATE | $11K | $0 | $11K | 24.93% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 852811491 | AMERITAS LIFE INSURANCE CORP | -$375 | $454 | $79 | 0.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 NONE | Contract Administrator Service code 13 | — | $281K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 NONE | Contract Administrator Service code 13 | — | $19K |
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 | 428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 468 | 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 | 355 | $407K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 684 | $407K |
| Life insurance | STANDARD INSURANCE COMPANY | 402 | $107K |
| Short-term disability | STANDARD INSURANCE COMPANY | 412 | $90K |
| Long-term disability | STANDARD INSURANCE COMPANY | 402 | $76K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 355 | $364K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 355 | $364K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 442 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 684 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.