| 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 | $110K | — | $110K | 4.06% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $6K | $29K | 14.69% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 7202 E ROSEWOOD 2ND FLOOR SUITE 200 TUCSON, AZ 85710 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILLIATES | $11K | — | $11K | 9.91% |
| CATHERINE DAVIS3 Filed as: CATHERINE B DAVIS | 9160 E LOMA LINDA PL TUCSON, AZ 85749 | AFLAC | $2K | $55 | $2K | 5.09% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $649 | — | $649 | 1.48% |
| SANDRA L SARFF3 Filed as: SANDRA I SARFF | 7090 N ORACLE RD 178 PMB 152 TUCSON, AZ 85704 | AFLAC | $503 | — | $503 | 1.15% |
| LAUREL L HARLOW3 | 3755 NORTH BUSINESS CENTER DR STE 4 TUCSON, AZ 85705 | AFLAC | $371 | — | $371 | 0.85% |
| ZAKERY ALLEN HARLOW3 | 3755 N BUSINESS CENTER DR TUCSON, AZ 85705 | AFLAC | $324 | $7 | $331 | 0.75% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $236 | — | $236 | 0.54% |
| MICHAEL FATHERREE3 | 11876 MOORHEN CIR FORT WORTH, TX 76244 | AFLAC | $194 | $7 | $201 | 0.46% |
| SCOTT WEBB3 | 2155 W PINNACLE PEAK RD STE 205 PHOENIX, AZ 85027 | AFLAC | $154 | — | $154 | 0.35% |
| MARK HILL3 | PO BOX 85715 TUCSON, AZ 85754 | AFLAC | $107 | — | $107 | 0.24% |
| CHAD P SCHNEIDER3 | 14430 BENEFIT ST APT 308 SHERMAN OAKS, CA 91423 | AFLAC | $87 | — | $87 | 0.20% |
| ZAKERY ALLEN HARLOW3 | 3204 N ACADEMY BLVD STE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $73 | $5 | $78 | 0.18% |
| ANELLE SUMMERS3 | 7109 E PORT AU PRINCE PLACE TUCSON, AZ 85710 | AFLAC | $77 | — | $77 | 0.18% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $69 | — | $69 | 0.16% |
| JACK GATHINGS3 | 7235 S GOLFSIDE LANE PHOENIX, AZ 85042 | AFLAC | $58 | — | $58 | 0.13% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $56 | — | $56 | 0.13% |
| PATTY J NATIONS3 | 7850 N SILVERBELL RD #114-310 TUCSON, AZ 85743 | AFLAC | $42 | — | $42 | 0.10% |
| JOHN PATTON3 | 13497 EAGLE NEST CT CORONA, CA 92880 | AFLAC | $37 | — | $37 | 0.08% |
| COURTNEY DAVIS3 Filed as: COURTNEY ANN DAVIS | 1027 AGATE ST APT 3 SAN DIEGO, CA 92109 | AFLAC | $33 | — | $33 | 0.08% |
| LAUREL L HARLOW3 | 3204 N ACADEMY BLVD STE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $28 | — | $28 | 0.06% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $19 | — | $19 | 0.04% |
| STACY LEE LOPEZ3 | 8350 E LOUISE DR TUCSON, AZ 85730 | AFLAC | $16 | — | $16 | 0.04% |
| PATTY J NATIONS3 | PO BOX 89639 TUCSON, AZ 85752 | AFLAC | $15 | — | $15 | 0.03% |
| NICHOLAS J DONIA3 | 843 W CALLE MURO FUERTE SAHUARITA, AZ 85629 | AFLAC | $14 | — | $14 | 0.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $12 | — | $12 | 0.03% |
| KIMBERLY J RODRIGUEZ3 | 37057 S GAMBEL QUAIL DR MARANA, AZ 85658 | AFLAC | $11 | — | $11 | 0.03% |
| NATALIE MALHAM3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $10 | — | $10 | 0.02% |
| SANDRA L SARFF3 | 7090 N ORACLE RD PMB 152 TUCSON, AZ 85704 | AFLAC | $10 | — | $10 | 0.02% |
| MICHAEL G GLADNICK3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $10 | — | $10 | 0.02% |
| NICHOLAS J DONIA3 | 103 W CALLE MANTILLA SAHAURITA, AZ 85629 | AFLAC | $9 | — | $9 | 0.02% |
| KEVIN DALE HARLOW3 | 3204 N ACADEMY BLVD STE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $8 | — | $8 | 0.02% |
| JEFFERY S GIBSON3 | 4805 LAKE BROOK DR STE 220 GLEN ALLEN, VA 23060 | AFLAC | $7 | — | $7 | 0.02% |
| DAVID GODDARD3 Filed as: DAVID L GOODARD | 2840 N GRANNEN RD TUCSON, AZ 85745 | AFLAC | $7 | — | $7 | 0.02% |
| ELISSIA BALLESTEROS3 Filed as: ELISSIA B BALLESTEROS | 10229 E CALLE CADIZ TUCSON, AZ 85747 | AFLAC | $7 | — | $7 | 0.02% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $7 | — | $7 | 0.02% |
| SETH G KNOWLTON3 | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $7 | — | $7 | 0.02% |
| STELLA MAQUERA3 | 4002 E ELMWOOD ST TUCSON, AZ 85711 | AFLAC | $7 | — | $7 | 0.02% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $6 | — | $6 | 0.01% |
| JENNIFER GOOCH3 Filed as: JENNIFER L GOOCH | 4897 W HURSTON DR TUCSON, AZ 85742 | AFLAC | $6 | — | $6 | 0.01% |
| SHARON MCKELVEY3 Filed as: SHARON I MCKELVEY | 197 N NOTTINGHAM LN LOT 3 PAYSON, AZ 85541 | AFLAC | $6 | — | $6 | 0.01% |
| JEFFREY A KLEINMAN SR3 | 3420 E SHEA BLVD STE 168 PHOENIX, AZ 85028 | AFLAC | $5 | — | $5 | 0.01% |
| KEVIN DALE HARLOW3 | 6281 N ORACLE RD UNIT 35072 TUCSON, AZ 85740 | AFLAC | $5 | — | $5 | 0.01% |
| LESLIE J BAILEY3 | 4234 N PORTAGE AVE MERIDIAN, ID 83646 | AFLAC | $5 | — | $5 | 0.01% |
| JACOB CARTER3 | 8916 E ALDERPOINT WAY TUCSON, AZ 85730 | AFLAC | $3 | — | $3 | 0.01% |
| JULIA ANN COAST3 | 1409 E MALIBU DR TEMPEA, AZ 85282 | AFLAC | $3 | — | $3 | 0.01% |
| TIMOTHY MARTIN3 Filed as: TIMOTHY I MARTIN | 20516 N 80TH LN PEORIA, AZ 85382 | AFLAC | $3 | — | $3 | 0.01% |
| RACHEL DAY3 Filed as: RACHEL S DAY | 5533 E 24TH STREET TUCSON, AZ 85711 | AFLAC | $2 | — | $2 | 0.00% |
| HELEN HAGARDT3 | 9076 N IRONWOOD MEADOWS DR TUCSON, AZ 85742 | AFLAC | $2 | — | $2 | 0.00% |
| SHAWN HOLTORF3 | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $1 | — | $1 | 0.00% |
| MAGNUSON & ASSOCIATES LTD3 | 4337 E 5TH STSTE 100 TUCSON, AZ 85711 | AFLAC | $1 | — | $1 | 0.00% |
| ASPEN COVE-DASTRUP INSURANCE INC3 Filed as: ASPEN COVE INSURANCE INC | 4844 N 300 W STE 100 PROVO, UT 84604 | AFLAC | $1 | — | $1 | 0.00% |
| BARBARA ANN MCNAUGHTON3 | 10000 N 31ST AVE STE C107 PHOENIX, AZ 85051 | AFLAC | $1 | — | $1 | 0.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.91% |
| JOHNSON RESOURCES3 | 7373 E DOUBLETREE RANCH STE 200 SCOTTSDALE, AZ 85258 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $554 | — | $554 | 2.18% |
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 | 441 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 320 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILLIATES | 305 | $111K |
| Vision(2 contracts, 2 carriers) | HEALTH NET | 413 | $2.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 514 | $198K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 514 | $198K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 514 | $198K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 514 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.