| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC. Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $37K | $3K | $40K | 4.88% |
| LOVITT AND TOUCHE, INC. Filed as: LOVIT & TOUCHE INC. | PO BOX 32702 TUCSON, AZ 85751 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $11K | — | $11K | 1.29% |
| LOVITT AND TOUCHE, INC. Filed as: LOVITT & TOUCHE | 7202 E. ROSEWOOD ST., STE 200 TUCSON, AZ 85710 | FIDELITY SECURITY LIFE | $6K | $0 | $6K | 10.00% |
| LOVITT AND TOUCHE, INC. Filed as: LOVITT & TOUCHE INC | 1050 W. WASHINGTON ST., STE 233 TEMPE, AZ 85281 | CIGNA GROUP INSURANCE | $4K | $1K | $5K | 19.81% |
| LOVITT AND TOUCHE, INC. Filed as: LOVITT & TOUCHE INC | 1050 W. WASHINGTON ST., STE 233 TEMPE, AZ 85281 | CIGNA GROUP INSURANCE | $3K | $1K | $4K | 19.80% |
| LOVITT AND TOUCHE, INC. Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $405 | $0 | $405 | 2.21% |
| GORDON & ROSSI INC | 10645 N. TATUM SUITE 200-441 PHOENIX, AZ 85028 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $331 | $0 | $331 | 1.80% |
| LOVITT AND TOUCHE, INC. Filed as: LOVITT & TOUCHE INC | 1050 W. WASHINGTON ST., STE 233 TEMPE, AZ 85281 | CIGNA GROUP INSURANCE | $351 | $112 | $463 | 19.79% |
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 | 234 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 148 | $882K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 148 | $882K |
| Life insurance | CIGNA GROUP INSURANCE | 114 | $26K |
| Long-term disability | CIGNA GROUP INSURANCE | 114 | $22K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY | 148 | $818K |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 114 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.