| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | PO BOX 412703 BOSTON, MA 02241 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $79K | $95K | 2.87% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4703 EAST CAMP LOWELL, SUITE 101 TUCSON, AZ 85712 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $9K | $9K | 0.27% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $33 | $20K | 10.36% |
| EMPYREAN BENEFITS5 Filed as: EMPYREAN BENEFOT SOLUTIONS, INC. | 3010 BRIARPARK DRIVE, SUITE 8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 4.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $24 | $24 | 0.01% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 21.70% |
| EMPYREAN BENEFITS3 Filed as: EMPYREAN BENEFIT SOULTIONS, INC. | 3010 BRIARPARK DRIVE, SUITE 800 HOUSTON, TX 77042 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $1K | $1K | 13.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | METROPOLITAN GENERAL INSURANCE COMPANY | $582 | — | $582 | 7.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | METROPOLITAN GENERAL INSURANCE COMPANY | $189 | $0 | $189 | 2.46% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 442 | $3.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 442 | $3.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 442 | $3.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $196K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $196K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $196K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 442 | $3.3M |
| Other(5 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 442 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.