| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AGENCY | 162 NORTH 400 E BLDG C-102 ST GEORGE, UT 847707131 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.95% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $735 | $2K | 1.72% |
| LEAVITT GROUP Filed as: DIXIE LEAVITT AGENCY | PO BOX 1744 CEDAR CITY, UT 847211744 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.32% |
| LOVITT AND TOUCHE, INC. Filed as: LOVITT & TOUCHE | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 852811491 | VISION SERVICE PLAN | $54 | $0 | $54 | 0.28% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $132K |
| Vision | VISION SERVICE PLAN | 93 | $19K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $132K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $132K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $132K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.