| 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 | BLUE CROSS BLUE SHIELD OF ARIZONA | $80K | — | $80K | 4.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | UNITED CONCORDIA INSURANCE COMPANY | $8K | — | $8K | 5.01% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $867 | $3K | 6.77% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $649 | $3K | 11.56% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.55% |
| JOHNSON RESOURCES3 | 7373 E DOUBLETREE RANCH 200 SCOTTSDALE, AZ 85258 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $418 | — | $418 | 1.91% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $545 | $2K | 12.69% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $352 | $1K | 13.30% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 19.99% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $290 | $112 | $402 | 6.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| E4 HEALTH INC EIN 45-3341045 SERVICE PROVIDER | Other services Service code 49 | — | $22K |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 265 | $2.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 337 | $159K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 488 | $2.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 253 | $49K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 253 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 253 | $26K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 265 | $2.0M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.