| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD OF ARIZONA | $27K | — | $27K | 4.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN INSURANCE AGENCY | 9171 TOWNE CENTRE DRIVE SUITE 100 SAN DIEGO, CA 92122 | DELTA DENTAL OF ARIZONA | $5K | — | $5K | 10.21% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE, LLC | PO BOX 741259 LOS ANGELES, CA 90074 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $451 | $5K | 10.33% |
| AMWINS3 Filed as: AMWINS CONNECT INS SERVICES | 2677 NORTH MAIN STREET SUITE 800 SANTA ANA, CA 92705 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | UNKNOWN SADDLEBROOK, NJ 07663 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 21.85% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | UNKNOWN PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $656 | $656 | 5.03% |
| LOVITT AND TOUCHE, INC.4 Filed as: LOVITT AND TOUCHE, LLC | 4703 EAST CAMP LOWELL DRIVE SUITE 101 TUCSON, AZ 85712 | LEGALSHIELD | $389 | — | $389 | 9.99% |
| CATHERINE L LEE4 Filed as: CATHERINE ALLISON LOMBARD | 5339 EAST CALLE VISTA DE COL TUCSON, AZ 85711 | LEGALSHIELD | $273 | — | $273 | 7.01% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 64 | $583K |
| Dental | DELTA DENTAL OF ARIZONA | 125 | $51K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $46K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $46K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $46K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 64 | $583K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.