| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | BLUE CROSS BLUE SHIELD OF ARIZONA | $57K | — | $57K | 4.94% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 1050 W. WASHINGTON ST., STE 233 TEMPE, AZ 85281 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $8K | $215 | $8K | 7.77% |
| LOVITT AND TOUCHE, INC.7 Filed as: LOVITT & TOUCHE INC | 1050 W. WASHINGTON ST., STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $632 | $6K | 16.87% |
| LOVITT AND TOUCHE, INC.7 Filed as: LOVITT & TOUCHE INC | 1050 W. WASHINGTON ST., STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $525 | $5K | 16.97% |
| LOVITT AND TOUCHE, INC. Filed as: LOVITT & TOUCHE | 1050 W. WASHINGTON ST., STE 233 TEMPE, AZ 85281 | CIGNA DENTAL HEALTH PLAN OF ARIAONZ INC | $2K | — | $2K | 7.54% |
| LOVITT AND TOUCHE, INC.7 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $883 | — | $883 | 4.97% |
| GORDON & ROSSI INC7 | 10645 N. TATUM #200-441 PHOENIX, AZ 85028 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $237 | — | $237 | 1.33% |
| LOVITT AND TOUCHE, INC.7 Filed as: LOVITT & TOUCHE INC | 1050 W. WASHINGTON ST., STE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $391 | $53 | $444 | 17.02% |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 101 | $1.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 202 | $125K |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY | 202 | $100K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 113 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 113 | $27K |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | 113 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.