| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85706 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 7.26% |
| IAN B. ACKERMAN, LTD3 | 4002 EAST CANYON COURT PARADISE VALLEY, AZ 85253 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 2.74% |
| MGIS3 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $345 | $345 | 0.39% |
| SHARON MCKELVEY3 Filed as: SHARON I. MCKELVEY | 197 NORTH NOTTINGHAM LANE LOT 3 PAYSON, AZ 85541 | AFLAC | $3K | $141 | $3K | 5.95% |
| MJ INSURANCE3 Filed as: MARYALYCE SKREE AND VARIOUS AGENTS | 13418 WEST HYACINTH DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $2K | $85 | $3K | 4.59% |
| HAROLD W ELLIOTT LLC3 Filed as: HAROLD W. ELLIOTT LLC | 15838 SOUTH 1ST AVENUE PHOENIX, AZ 85045 | AFLAC | $2K | $141 | $2K | 4.15% |
| GLEN DOUGLAS GABLE3 | 3521 SOUTH CAMELLIA PLACE CHANDLER, AZ 85248 | AFLAC | $538 | $0 | $538 | 0.98% |
| DAVID R LATTIMER3 Filed as: DAVID R. LATTIMER | 3029 NORTH SONORAN HILLS MESA, AZ 85207 | AFLAC | $449 | $28 | $477 | 0.87% |
| S. PREBLE WARE III3 | 2625 EAST SOUTHERN AVENUE UNIT C202 TEMPE, AZ 85282 | AFLAC | $357 | $0 | $357 | 0.65% |
| WILLIAM BRENT MILLER3 | 7708 SOUTH RITA LANE TEMPE, AZ 85284 | AFLAC | $315 | $0 | $315 | 0.57% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85706 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.98% |
| ARIZONIA BENEFIT CONSULTANTS, LLC3 | 6245 NORTH 24TH PARKWAY, SUITE 201 PHOENIX, AZ 85016 | VISION SERVICE PLAN | $268 | $0 | $268 | 0.98% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 40 | $55K |
| Vision | VISION SERVICE PLAN | 151 | $27K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 224 | $89K |
| Short-term disability | AFLAC | 40 | $55K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 224 | $89K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 224 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.