| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | PO BOX 741259 LOS ANGELES, CA 90074 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $63K | $63K | 5.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $9K | $33K | 20.79% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 WEST SAND LAKE ROAD, SUITE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.94% |
| LIAZON BENEFITS INC5 Filed as: LIAZON CORPORATION | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | AMERITAS LIFE INSURANCE CORPORATION | $8K | $0 | $8K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $1K | $1K | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 741259 LOS ANGELES, CA 90074 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.08% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 741259 LOS ANGELES, NJ 90074 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $38 | $1K | 8.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $182 | $182 | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85710 | EMPLOYERS DENTAL SERVICES | $582 | $0 | $582 | 8.01% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 741259 LOS ANGELES, CA 90074 | METROPOLITAN GENERAL INSURANCE COMPANY | $239 | $0 | $239 | 9.98% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 256 | $1.2M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 235 | $106K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 235 | $116K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $159K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $159K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $159K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 256 | $1.2M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.