| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4703 EAST CAMP LOWELL, SUITE 101 TUCSON, AZ 85712 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $26K | $35K | 3.12% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $0 | $39K | 20.00% |
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 | 1,608 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 181 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AVESIS INSURANCE INCORPORATED | 2,352 | $155K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,410 | $1.1M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,410 | $1.1M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,410 | $1.1M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,840 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,352 | — |
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.