| 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 | $6K | $27K | 14.73% |
| CSA GENERAL INSURANCE AGENCY3 | 2480 W LAS PALMARITAS PHOENIX, AZ 85021 | EYEMED VISION CARE | $2K | — | $2K | 9.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSMART BENEFIT SOLUTIONS EIN 75-1857307 PROCESSOR AND ADMINISTRA | Contract Administrator; Claims processing Service code 12 | — | $59K |
| LOVITT & TOUCHE INC EIN 86-0490754 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $37K |
| AETNA SIGNATURE ADMINISTRATOR EIN 06-6033492 PROCESSOR AND ADMINISTRAT | Claims processing Service code 12 | — | $30K |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $186K |
| Vision | EYEMED VISION CARE | 236 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $186K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $186K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $186K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 155 | $435K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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."
No prospect flags tripped on this filing.