| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 1050 W WASHINGTON ST TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 2.12% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 1050 W WASHINGTON ST TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 2.09% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 7202 E ROSEWOOD ST STE 200 TUCSON, AZ 857101353 | VISION SERVICE PLAN | $2K | — | $2K | 2.94% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 1050 W WASHINGTON TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $259 | $259 | 2.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMA BENEFIT MGMT | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | — | $1.8M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $248K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 33-0052273 PLAN ADMINIST | Plan Administrator Service code 14 | — | $39K |
| DELTA DENTAL OF ARIZONA EIN 86-0274899 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $31K |
| CIGNA EIN 23-1503749 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $22K |
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $13K |
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 | 540 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 25 | $184K |
| Vision | VISION SERVICE PLAN | 498 | $77K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 540 | $187K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 540 | $101K |
| Stop-loss / reinsurancereinsurance | HIGHMARK LIFE & CASUALTY GROUP | 525 | $592K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 540 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.