| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | UNKNOWN TUCSON, AZ 85746 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $102K | $14K | $116K | 5.07% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE, INC. | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 15.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE, INC | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 5.00% |
| CATHERINE DAVIS3 Filed as: CATHERINE B. DAVIS | 9160 EAST LOMA LINA PLACE TUCSON, AZ 85749 | AFLAC | $5K | $15 | $5K | 10.52% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE, INC. | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $2K | $130 | $2K | 4.66% |
| KIMBERLY J RODRIGUEZ3 Filed as: KIMBERLY J. RODRIGUEZ | 37057 SOUTH GAMBEL QUAIL DRIVE MARANA, AZ 85658 | AFLAC | $2K | $0 | $2K | 3.14% |
| MJ INSURANCE3 Filed as: LAUREL L. HARLOW AND VARIOUS AGENTS | 6200 WEST ROAN PLACE TUCSON, AZ 85743 | AFLAC | $1K | $6 | $1K | 2.74% |
| SETH G KNOWLTON3 Filed as: SETH G. KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $1K | $0 | $1K | 2.06% |
| TREVOR BRYAN DAVIS3 | 9160 EAST LOMA LINDA PLACE TUCSON, AZ 85749 | AFLAC | $526 | $0 | $526 | 1.04% |
| SANDRA L SARFF3 Filed as: SANDRA L. SARFF | 7090 NORTH ORACLE ROAD 178 PMB 152 TUCSON, AZ 85704 | AFLAC | $379 | $0 | $379 | 0.75% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE, INC. | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 10.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE, INC. | PO BOX 33702 TUCSON, AZ 85751 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 9.21% |
| JOHNSON RESOURCES3 | 7373 EAST DOUBLETREE RANCH SUITE 200 SCOTTSDALE, AZ 85258 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $585 | $0 | $585 | 1.84% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE, INC. | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $538 | $0 | $538 | 10.00% |
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 | 433 | 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) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 557 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 557 | $2.3M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 478 | $32K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 433 | $48K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 433 | $102K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 433 | $53K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 557 | $2.3M |
| Other(2 contracts, 2 carriers) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 434 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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 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.