| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | BLUE CROSS AND BLUE SHIELD OF ARIZONA | $67K | $116 | $67K | 3.64% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD TUCSON, AZ 85710 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $798 | $8K | 3.97% |
| BST COMPANIES INC3 Filed as: BST COMPANIES, INC. | 481 EAST DOWNTOWN STREET TUCSON, AZ 85701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $165 | $7K | 3.44% |
| JB & H LLC3 Filed as: JB & H, LLC | 8707 EAST SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $715 | $5K | 2.23% |
| MJ INSURANCE3 Filed as: PAUL A BYNUM AND VARIOUS AGENTS | PO BOX 12306 TUCSON, AZ 85732 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $123 | $4K | 1.89% |
| LORENZA TORRES3 | 9636 EAST PASEO SAN BERNARDO DRIVE TUCSON, AZ 85747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $82 | $4K | 1.75% |
| VINCENT TAYLOR ECHOLS3 | PO BOX 594 THATCHER, AZ 85552 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $603 | $3K | 1.40% |
| CAROL JEAN HALL3 | 5737 EAST CHAPTER DRIVE TUCSON, AZ 85708 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $120 | $2K | 1.08% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $4K | $15K | 12.54% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | EYEMED | $2K | $0 | $2K | 9.13% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 412703 ACCOUNTING DEPARTMENT BOSTON, MA 02241 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.87% |
| LOVITT AND TOUCHE, INC.3 | UNKNOWN NOGALES, AZ 85621 | EMPLOYERS DENTAL SERVICES | $422 | $0 | $422 | 7.83% |
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 | 328 | 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) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ARIZONA | 284 | $1.8M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 52 | $22K |
| Vision | EYEMED | 291 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $117K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $117K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ARIZONA | 284 | $1.8M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 328 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.