| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | UNKNOWN TUCSON, AZ 85710 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30K | $2K | $32K | 5.55% |
| JB & H LLC3 Filed as: JB & H, LLC | 8707 EAST SAGUARO VIEW PLACE VALI, AZ 85641 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26K | $0 | $26K | 4.58% |
| LORENZA TORRES3 | 9636 EAST PASEO SAN BERNARDO TUCSON, AZ 85747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $544 | $18K | 3.17% |
| R AND T FIGUEROA LLC3 Filed as: R AND T FIGUEROA LLC & OTHER AGENTS | 7569 SOUTH CARLISLE AVENUE TUCSON, AZ 85746 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $2K | $16K | 2.85% |
| BST COMPANIES INC3 Filed as: BST COMPANIES, INC. | 319 NORTH CAMERON VIEW PLACE TUCSON, AZ 85745 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $0 | $11K | 1.88% |
| KURZ & VALDEZ BENEFIT ENROLLMENT SO3 Filed as: KURZ AND VALDEZ BENEFIT ENROLLMENT | 14640 NORTH 90TH DRIVE PEORIA, AZ 85381 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $4K | $10K | 1.82% |
| CAROL JEAN HALL3 | 5737 EAST CHAPTER DRIVE TUCSON, AZ 85708 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $91 | $7K | 1.13% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $2K | $26K | 11.69% |
| THE NIA GROUP3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 0.50% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | PO BOX 741259 LOS ANGELES, CA 90074 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $585 | $4K | 5.74% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | PO BOX 741259 LOS ANGELES, CA 90074 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 9.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 741259 LOS ANGELES, CA 90074 | EMPLOYERS DENTAL SERVICES | $884 | $0 | $884 | 7.92% |
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 | 456 | 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) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $80K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 564 | $40K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 456 | $222K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 456 | $222K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 475 | $808K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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.