| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 4.97% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.88% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | UNITED DENTAL CARE OF ARIZONA INC | $781 | — | $781 | 5.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | STANDARD INSURANCE COMPANY | $926 | — | $926 | 10.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BERKLEY LIFE AND HEALTH INS CO EIN 90-6034263 SERVICE PROVIDER | Other services; Contract Administrator; Claims processing Service code 12 | — | $309K |
| HEALTHSMART BENEFIT SOLUTIONS EIN 75-1857307 SERVICE PROVIDER | Other services; Claims processing; Contract Administrator Service code 12 | — | $119K |
| BLUE CROSS BLUE SHIELD ARIZONA EIN 86-0004538 SERVICE PROVIDER | Claims processing; Contract Administrator; Other services Service code 12 | — | $57K |
| LOVITT TOUCHE INC EIN 86-0490754 INSURANCE BROKER | Insurance agents and brokers; Other services Service code 22 | — | $50K |
| HANNA GLOBAL SOLUTIONS SERVICE PROVIDER | Claims processing; Contract Administrator; Other services Service code 12 | 1401 WILLOW PASS RD 670 CONCORD, CA 94520 | $7K |
| E4 HEALTH INC EIN 45-3351045 SERVICE PROVIDER | Other services Service code 49 | — | $6K |
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 | 283 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 108 | $94K |
| Life insurance | STANDARD INSURANCE COMPANY | 293 | $23K |
| Short-term disability | STANDARD INSURANCE COMPANY | 17 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.