| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $312 | $5K | 10.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK, GOULD AND ASSOCIATES | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, PA 85012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$779 | $3K | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 161 WASHINGTON STREET, SUITE 1200 CONSHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $571 | $4K | 11.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK, GOULD AND ASSOCIATES | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, PA 85012 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $1K | $1K | 3.93% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 741259 LOS ANGELES, CA 90074 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $677 | $0 | $677 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK, GOULD AND ASSOCIATES | 3800 NORTH CENTRAL PHOENIX, AZ 85012 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $422 | $0 | $422 | 6.23% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD TUCSON, AZ 85710 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $166 | $0 | $166 | 2.45% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 93 | $38K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 114 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $48K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $48K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.