| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $95K | $0 | $95K | 4.56% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $0 | $9K | 0.41% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $2K | $25K | 12.07% |
| CATHERINE DAVIS3 Filed as: CATHERINE B. DAVIS | 9160 EAST LOMA LINDA PLACE TUCSON, AZ 85749 | AFLAC | $2K | $330 | $3K | 5.17% |
| MJ INSURANCE3 Filed as: SANDRA L. SARAFF AND VARIOUS AGENTS | 7090 NORTH ORACLE ROAD, PMB 152 TUCSON, AZ 85704 | AFLAC | $2K | $78 | $2K | 3.70% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $2K | $39 | $2K | 3.67% |
| TREVOR BRYAN DAVIS3 | 9160 EAST LOMA LINDA PLACE TUCSON, AZ 85749 | AFLAC | $977 | $59 | $1K | 1.92% |
| KEITH G. KNOWLTON3 | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $786 | $78 | $864 | 1.60% |
| MICHAEL EDWARD LI3 Filed as: MICHAEL EDWARD | 5751 NORTH KOLB ROAD, UNIT 39202 TUCSON, AZ 85750 | AFLAC | $443 | $0 | $443 | 0.82% |
| KELLY MCGARRY3 | 4750 NORTH ORACLE ROAD, SUITE 214 TUCSON, AZ 85705 | AFLAC | $409 | $0 | $409 | 0.76% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 10.88% |
| JOHNSON RESOURCES3 | 7373 EAST DOUBLETREE RANCH SUITE 200 SCOTTSDALE, AZ 85258 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $565 | $0 | $565 | 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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 479 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 479 | $2.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 410 | $26K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 334 | $210K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 334 | $210K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 334 | $210K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 479 | $2.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 334 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.