| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC. | PO BOX 32702 TUCSON, AZ 857512702 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 1.08% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC. | 7202 EAST ROSEWOOD SUITE 200 TUCSON, AZ 85706 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 5.00% |
| MGIS3 | 10 WEST BROADWAY SUITE 800 SALT LAKE CITY, UT 841012100 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $30 | $30 | 0.02% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 10.50% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 7202 EAST ROSEWOOD SUITE 200 TUCSON, AZ 85706 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 5.00% |
| MGIS3 | 10 WEST BROADWAY SUITE 800 SALT LAK CITY, UT 841012100 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $30 | $30 | 0.03% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 7202 E ROSEWOOD ST STE 200 TUCSON, AZ 857101353 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 11.14% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC. | 7202 EAST ROSEWOOD SUITE 200 TUCSON, AZ 85706 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 5.00% |
| MGIS3 | 10 WEST BROADWAY SUITE 800 SALT LAKE CITY, UT 841012100 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $30 | $30 | 0.05% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 7202 EAST ROSEWOOD SUITE 200 TUCSON, AZ 85706 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 5.00% |
| MGIS3 | 10 WEST BROADWAY SUITE 800 SALT LAKE CITY, UT 841012100 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $30 | $30 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS AND ADMIN SVCS | Non-monetary compensation; Claims processing; Contract Administrator; Named fiduciary; Float revenue; Participant communication; Other services; Direct payment from the plan Service code 12 | — | $432K |
| LOVITT TOUCHE INC EIN 86-0490754 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $106K |
| HEALTHSMART BENEFIT SOLUTIONS EIN 75-1857307 OTHER SERVICES | Other services Service code 49 | — | $26K |
| LOVITT & TOUCHE INC EIN 86-0490754 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $4K |
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 | 1,157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,588 | $513K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,157 | $114K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,157 | $60K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,157 | $191K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,588 | $441K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,588 | $441K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,060 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,588 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.