| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | $2K | $37K | 9.20% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 3.75% |
| LOCKTON COMPANIES, LLC3 | 14850 NORTH SCOTTSDALE ROAD SUITE 225 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $402 | $4K | 0.89% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.42% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM INSURANCE COMPANY | $3K | $203 | $3K | 12.29% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | UNUM INSURANCE COMPANY | $567 | $123 | $690 | 2.69% |
| WCH CONSULTANTS LLC4 Filed as: WCH CONSULTING LLC | 20118 NORTH 67 AVENUE SUITE 300-180 GLENDALE, AZ 85308 | PREPAID LEGAL SEVICES INC DBA LEGALSHIELD | $692 | $0 | $692 | 5.96% |
| KATHERIN J. POTTER4 | 701 WEST GROVE PARKWAY APARTMENT 109 TEMPE, AZ 85283 | PREPAID LEGAL SEVICES INC DBA LEGALSHIELD | $318 | $0 | $318 | 2.74% |
| WAJUCO ASSOCIATES LLC4 | 15406 WEST SURREY DRIVE SURPRISE, AZ 85379 | PREPAID LEGAL SEVICES INC DBA LEGALSHIELD | $29 | $0 | $29 | 0.25% |
| BRUCE PARRISH4 | PO BOX 600 CROCKER, MO 65452 | PREPAID LEGAL SEVICES INC DBA LEGALSHIELD | $28 | $0 | $28 | 0.24% |
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 | 896 | 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) | 896 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 537 | $58K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 896 | $403K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 896 | $403K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 896 | $403K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 896 | $440K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 896 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.