| 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 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.50% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 10.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AZ 85281 | ARIZONA EYECARE ALLIANCE | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BERKLEY LIFE EIN 91-6034263 SERVICE PROVIDER | Other services Service code 49 | — | $412K |
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 SERVICE PROVIDER | Contract Administrator; Other services; Claims processing Service code 12 | — | $71K |
| HEALTHSMART EIN 36-4099199 SERVICE PROVIDER | Claims processing; Contract Administrator Service code 12 | — | $47K |
| LOVITT TOUCHE INC EIN 86-0490754 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $43K |
| EAP PREFERRED EIN 86-0438139 SERVICE PROVIDER | Other fees Service code 99 | — | $5K |
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 | 559 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 559 | $407K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 972 | $110K |
| Vision | ARIZONA EYECARE ALLIANCE | 383 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 575 | $84K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 575 | $84K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 575 | $84K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 575 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 972 | — |
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.