| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | BLUE CROSS BLUE SHIELD OF ARIZONA | $0 | $308 | $308 | 0.05% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $23K | $23K | 4.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 32702 TUCSON, AZ 85751 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.44% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.12% |
| UNKNOWN3 | UNKNOWN PHOENIX, AZ 85012 | MEMD HEALTHCARE | $4K | $0 | $4K | 33.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 32702 TUCSON, AZ 85751 | EMPLOYERS DENTAL SERVICES | $587 | $0 | $587 | 8.00% |
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 | 778 | 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) | 778 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 571 | $623K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 910 | $283K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 910 | $337K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 778 | $502K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 778 | $502K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 778 | $502K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 571 | $610K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 778 | $558K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 910 | — |
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.