| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITTE AND TOUCHE, INC. | PO BOX 741259 LOS ANGELES, CA 90074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $0 | $17K | 4.63% |
| BST COMPANIES INC3 Filed as: BST COMPANIES, INC. | 319 NORTH CAMERON VIEW PLACE TUCSON, AZ 85745 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $354 | $13K | 3.60% |
| MJ INSURANCE3 Filed as: PAUL A. BYNUM AND VARIOUS AGENTS | PO BOX 12306 TUCSON, AZ 85732 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $1K | $12K | 3.24% |
| JB & H LLC3 Filed as: JB AND H, LLC | 8707 EAST SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $118 | $10K | 2.80% |
| LORENZA TORRES3 | 9636 EAST PASEO SAN BERNARDO DRIVE TUCSON, AZ 85747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $249 | $9K | 2.44% |
| 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 | 1.67% |
| R AND T FIGUEROA LLC3 Filed as: R AND T FIGUEROA, LLC | 7569 SOUTH CARLISLE AVENUE TUCSON, AZ 85746 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $168 | $3K | 0.94% |
| LOVITT AND TOUCHE, INC.3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 11.04% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 741259 LOS ANGELES, CA 90074 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.50% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85710 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 6.43% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 741259 LOS ANGELES, CA 90074 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 4.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | EMPLOYERS DENTAL SERVICES | $761 | $0 | $761 | 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 | 351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 115 | $60K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 429 | $33K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 351 | $181K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 351 | $181K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 351 | $547K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.