| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: KOTY LEAVITT INSURANCE AGENCY INC. | 6992 EAST BROADWAY BOULEVARD TUCSON, AZ 85710 | HEALTH NET | $77K | — | $77K | 3.36% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | HEALTH NET | $34K | — | $34K | 1.48% |
| LEAVITT GROUP3 | 6992 EAST BROADWAY BOULEVARD TUCSON, AZ 85710 | DELTA DENTAL OF ARIZONA | $10K | — | $10K | 4.91% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | DELTA DENTAL OF ARIZONA | $4K | — | $4K | 2.09% |
| LEAVITT GROUP3 | 919 NORTH 1ST STREET PHEONIX, AZ 85004 | THE GUARDIAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 9.22% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 7202 EAST ROSEWOOD TUCSON, AZ 85710 | THE GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.42% |
| LEAVITT GROUP3 | 919 1ST STREET PHEONIX, AZ 85004 | AVESIS INSURANCE INCORPORATED | $4K | — | $4K | 7.43% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT& TOUCHE INC | 1050 WEST WASHINGTON, SUITE 233 TEMPE, AZ 85281 | AVESIS INSURANCE INCORPORATED | $931 | — | $931 | 1.95% |
| CSA GENERAL INSURANCE AGENCY3 Filed as: CSA GENERAL | 2480 WEST LAS PLAMARITAS DRIVE PHOENIX, AZ 85021 | AVESIS INSURANCE INCORPORATED | $479 | — | $479 | 1.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE | PO BOX 32702 TUCSON, AZ 85751 | HEALTHIEST YOU | $3K | — | $3K | 15.00% |
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 | 350 | 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) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 315 | $2.3M |
| Dental | DELTA DENTAL OF ARIZONA | 334 | $201K |
| Vision | AVESIS INSURANCE INCORPORATED | 597 | $48K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 350 | $110K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 350 | $110K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 350 | $110K |
| Prescription drug | HEALTH NET | 248 | $2.3M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 350 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.