| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | P.O. BOX 32702 TUCSON, AZ 85751 | BLUE CROSS BLUE SHIELD OF ARIZONA | $13K | — | $13K | 1.36% |
| WINCLINE LLC3 | 2720 EAST CAMELBACK ROAD SUITE 275 PHOENIX, AZ 85016 | BLUE CROSS BLUE SHIELD OF ARIZONA | $9K | — | $9K | 0.90% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC. | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 5.52% |
| WINCLINE LLC3 Filed as: WINCLINE, LLC | 2720 EAST CAMELBACK ROAD SUITE 275 PHOENIX, AZ 85016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 4.40% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $504 | $6K | 11.54% |
| WINCLINE LLC3 | 2720 EAST CAMELBACK ROAD SUITE 275 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.36% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $286 | $4K | 11.57% |
| WINCLINE LLC3 | 2720 EAST CAMELBACK ROAD SUITE 275 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.34% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $151 | $2K | 12.92% |
| WINCLINE LLC3 | 2720 EAST CAMELBACK ROAD SUITE 275 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $530 | — | $530 | 2.91% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $148 | $11 | $159 | 12.42% |
| WINCLINE LLC3 | 2720 EAST CAMELBACK ROAD SUITE 275 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44 | — | $44 | 3.44% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 139 | $963K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 145 | $64K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 145 | $64K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $18K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $32K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 139 | $963K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.