| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $46K | $46K | 5.32% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 1050 W WASHINGTON ST SUITE 233 TEMPE, AZ 85281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $14K | $14K | 1.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC. | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 850121979 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $581 | $13K | 8.60% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE | PO BOX 32702 TUCSON, AZ 85751 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $296 | $4K | 2.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES INC | 3800 N CENTRAL AVE 9TH FL PHOENIX, AZ 85012 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.75% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $713 | — | $713 | 2.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 N. CENTRAL AVE, 9TH FLOOR PHOENIX, AZ 85012 | AVESIS INSURANCE INCORPORATED | $2K | — | $2K | 9.55% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE | 7202 E ROSEWOOD SUITE 200 TUCSON, AZ 85710 | AVESIS INSURANCE INCORPORATED | $458 | — | $458 | 2.66% |
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 | 391 | 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) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $855K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 391 | $147K |
| Vision | AVESIS INSURANCE INCORPORATED | 198 | $17K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 391 | $147K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $27K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 391 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.