| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC. | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $48K | $48K | 4.81% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC. | 7202 EAST ROSEWOOD, 2ND FLOOR SUITE 200 TUCSON, AZ 85751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $568 | $8K | 7.34% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEIFTS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $5K | $5K | 4.95% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC. | PO BOX 32702 TUCSON, AZ 85751 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.80% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC. | PO BOX 32702 TUCSON, AZ 85751 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.42% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEIFTS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.80% |
| UNKNOWN3 | UNKNOWN TUCSON, AZ 85713 | MEMD | $288 | $0 | $288 | 13.13% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 246 | $992K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 211 | $105K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 211 | $105K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 146 | $68K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 146 | $68K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 146 | $68K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 246 | $992K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.