| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.66% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $200 | $200 | 1.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LOVITT TOUCH INC EIN 86-0490754 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $97K |
| HOLMAN FRAZIER LLC EIN 20-1705390 SERVICE PROVIDER | Other services Service code 49 | — | $26K |
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 | 908 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 909 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,388 | $5.5M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 493 | $392K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,388 | $5.5M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 908 | $135K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 908 | $138K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 908 | $109K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 908 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,388 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.