| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD OF ARIZONA | $97K | $0 | $97K | 21.78% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | 7202 EAST ROSEWOOD STREET TUCSON, AZ 85710 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $0 | $16K | 4.77% |
| R AND T FIGUEROA LLC3 Filed as: R & T FIGUEROA, LLC & OTHER AGENTS | 7569 SOUTH CARLISLE AVENUE TUCSON, AZ 85746 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $3K | $14K | 4.01% |
| BST COMPANIES INC3 Filed as: BST COMPANIES, INC. | 425 SOUTH FREMONT AVENUE TUCSON, AZ 85719 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $335 | $13K | 3.85% |
| JB & H LLC3 Filed as: JB AND H, LLC | 8707 EAST SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $351 | $10K | 2.80% |
| LORENZA TORRES3 | 9636 EAST PASEO SAN BERNARDO DRIVE TUCSON, AZ 85747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $184 | $7K | 2.07% |
| MARQUEZ BENEFIT GROUP LLC3 Filed as: MARQUEZ BENEFIT GROUP,LLC | 8601 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85021 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 1.74% |
| PAUL A BYNUM3 Filed as: PAUL A. BYNUM | PO BOX 2306 TUSCON, AZ 85732 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $96 | $4K | 1.16% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $0 | $17K | 10.96% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.43% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 10.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | EMPLOYERS DENTAL SERVICES | $597 | $0 | $597 | 7.86% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 333 | $444K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 94 | $41K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 433 | $25K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 184 | $157K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 184 | $157K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 333 | $444K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 262 | $501K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.