| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 7202 E ROSEWOOD SUITE 200 TUCSON, AZ 85710 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | $2K | $14K | 5.84% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE | PO BOX 32702 TUCSON, AZ 85751 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 5.41% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE | PO BOX 32702 TUCSON, AZ 85751 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 5.48% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE | PO BOX 32702 TUCSON, AZ 85751 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.13% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $4K | 17.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $227K |
| LOVITT TOUCHE INC EIN 86-0490754 BROKER | Other commissions Service code 55 | — | $0 |
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 | 462 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 346 | $233K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 723 | $25K |
| Life insurance | STANDARD INSURANCE COMPANY | 386 | $116K |
| Short-term disability | STANDARD INSURANCE COMPANY | 386 | $39K |
| Long-term disability | STANDARD INSURANCE COMPANY | 386 | $122K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 333 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 723 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.