| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC. Filed as: LOVITT & TOUCHE INC/ TUCSON AZ | 7202 E. ROSEWOOD ST., STE 200 TUCSON, AZ 85710 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $12K | $47K | 6.70% |
| LOVITT AND TOUCHE, INC. Filed as: LOVITT & TOUCHE INC/TEMPE, AZ | 1050 W. WASHINGTON ST., STE 133 TEMPE, AZ 85281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 0.78% |
| LOVITT AND TOUCHE, INC. Filed as: LOVITT & TOUCHE INC. | 7202 E. ROSEWOOD ST, STE 200 TUCSON, AZ 85710 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $948 | $13K | 11.20% |
| JAGCO INSURANCE CO | 10645 N. TATUM PHOENIX, AZ 85028 | FIDELITY SECURITY LIFE | $8K | — | $8K | 10.00% |
| GORDON & ROSSI INC | 10645 N. TATUM PHOENIX, AZ 85028 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $291 | — | $291 | 1.86% |
| LOVITT AND TOUCHE, INC. Filed as: LOVITT & TOUCHE INC | 7202 E. ROSEWOOD ST., STE 200 TUCSON, AZ 85710 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $273 | — | $273 | 1.75% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 83 | $704K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 160 | $117K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 160 | $208K |
| Long-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 160 | $208K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 83 | $704K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 160 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.