| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $1K | $22K | 15.07% |
| CSA GENERAL INSURANCE AGENCY3 | 2480 W LAS PALMARITAS PHOENIX, AZ 85021 | EYEMED VISION CARE | $3K | — | $3K | 15.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HCC LIFE INSURANCE COMPANY EIN 35-1817054 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $351K |
| HEALTHSMART EIN 75-1857307 PROCESSOR AND ADMINISTRA | Contract Administrator; Claims processing Service code 12 | — | $90K |
| LOVITT TOUCHE INC EIN 86-0490754 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $33K |
| AETNA SIGNATURE ADMINISTRATOR EIN 06-6033492 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $25K |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 138 | $384K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $148K |
| Vision | EYEMED VISION CARE | 225 | $19K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $148K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $148K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $148K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.