| 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 | HEALTH NET | $28K | — | $28K | 2.96% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.44% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE | PO BOX 32702 TUCSON, AZ 85751 | EMPLOYERS DENTAL SERVICES | $1K | — | $1K | 7.94% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | HARTFORD LIFE AND ACCIDENT | $2K | $172 | $2K | 17.61% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 11.92% |
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 | 213 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 177 | $936K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $56K |
| Vision | HEALTH NET | 177 | $936K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 237 | $10K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 43 | $13K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 237 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.