| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $0 | $24K | 10.49% |
| 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 | $11K | $1K | $12K | 10.84% |
| CATHERINE DAVIS3 Filed as: CATHERINE B. DAVIS | 9160 EAST LOMA LINDA PLACE TUCSON, AZ 85749 | AFLAC | $2K | $31 | $2K | 4.36% |
| MJ INSURANCE3 Filed as: SETH KNOWLTON AND VARIOUS AGENTS | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $2K | $2 | $2K | 3.67% |
| TREVOR BRYAN DAVIS3 | 9160 EAST LOMA LINDA PLACE TUCSON, AZ 85749 | AFLAC | $966 | $23 | $989 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $657 | $0 | $657 | 1.33% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $626 | $0 | $626 | 1.26% |
| NICHOLAS J DONIA3 Filed as: NICHOLAS J. DONIA | 843 WEST CALLE MURO FUERTE SAHUARITA, AZ 85629 | AFLAC | $567 | $11 | $578 | 1.17% |
| KELLY MCGARRY3 | 4750 NORTH ORACLE ROAD, SUITE 214 TUCSON, AZ 85705 | AFLAC | $495 | $12 | $507 | 1.02% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 6.57% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 741259 LOS ANGELES, CA 90074 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 4.22% |
| JOHNSON RESOURCES3 | 7373 EAST DOUBLETREE RANCH SUITE 200 SCOTTSDALE, AZ 85258 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $755 | $0 | $755 | 2.97% |
| JOHNSON RESOURCES3 | 10801 EAST HAPPY VALLEY ROAD UNIT 78 SCOTTSDALE, AZ 85255 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $344 | $0 | $344 | 1.35% |
| CATHERINE DAVIS3 Filed as: CATHERINE B. DAVIS | 9160 EAST LOMA LINDA PLACE TUCSON, AZ 85749 | AFLAC | $563 | $0 | $563 | 6.67% |
| MJ INSURANCE3 Filed as: DONALD GREEN AND VARIOUS AGENTS | 1611 PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $241 | $0 | $241 | 2.86% |
| SANDRA L SARFF3 Filed as: SANDRA L. SARFF | 3811 EAST CHICO LANE TUCSON, AZ 85739 | AFLAC | $78 | $0 | $78 | 0.92% |
| TREVOR BRYAN DAVIS3 | 9160 EAST LOMA LINDA PLACE TUCSON, AZ 85749 | AFLAC | $53 | $0 | $53 | 0.63% |
| SETH G KNOWLTON3 Filed as: SETH G. KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $51 | $0 | $51 | 0.60% |
| KELLY MCGARRY3 | 4750 NORTH ORACLE ROAD, SUITE 214 TUCSON, AZ 85705 | AFLAC | $51 | $0 | $51 | 0.60% |
| SANDRA L SARFF3 Filed as: SANDRA L. SARFF | 7090 NORTH ORACLE ROAD, PMB 152 TUCSON, AZ 85704 | AFLAC | $44 | $0 | $44 | 0.52% |
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 | 319 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 319 | $162K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 396 | $25K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 319 | $241K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 319 | $232K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 319 | $232K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,068 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,068 | — |
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.