| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $8K | $15K | 1.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC | 199 SCOTT STREET, SUITE 800 BUFFALO, NY 14204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $7K | $7K | 0.50% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $3K | $8K | 17.03% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 14.31% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST STE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $5K | 15.10% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST STE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE, INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $813 | $2K | 17.67% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 7202 E ROSEWOOD STE 200 TUCSON, AZ 85710 | AMERICAN HERITAGE LIFE INSURANCE | $5K | — | $5K | 87.85% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $474 | $684 | $1K | 24.44% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $291 | $125 | $416 | 14.31% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST STE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $145 | $145 | 4.99% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $163 | $125 | $288 | 17.65% |
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 | 490 | 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) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 414 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 414 | $1.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 414 | $1.5M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 490 | $41K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 192 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 490 | $45K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 414 | $1.5M |
| Other(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 490 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.