| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPONG & ASSOCIATES INC.3 Filed as: SPONG & ASSOCIATES INC | 9098 E PARADISE DR SCOTTSDALE, AZ 852606887 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $27K | $37K | 2.10% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC | 1050 W WASHINGTON ST STE 233 TEMPE, AL 85281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $16K | $23K | 1.28% |
| SPONG & ASSOCIATES INC.3 Filed as: SPONG & ASSOCIATES INC | 9815 E. PIEDRA DRIVE SCOTTSDALE, AZ 85255 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.65% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC | PO BOX 32702 TUSCON, AZ 857512702 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.35% |
| SPONG & ASSOCIATES INC.3 | 9815 E PIEDRA DRIVE SCOTTSDALE, AZ 85255 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.16% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC | PO BOX 32702 TUSCON, AZ 857512702 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.26% |
| SPONG & ASSOCIATES INC.3 Filed as: SPONG & ASSOCIATES INC | 9815 E PIEDRA DRIVE SCOTTSDALE, AZ 85255 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.29% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC | PO BOX 32702 TUSCON, AZ 857512702 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $829 | $0 | $829 | 4.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN SPECIALTY HEALTH NONE | Float revenue; Participant communication; Claims processing; Non-monetary compensation; Contract Administrator; Other services; Direct payment from the plan; Named fiduciary Service code 12 | 10221 WATERRIDGE CIRCLE SUITE 201 SAN DIEGO, CA 92121 | $0 |
| CARECORE DBA EVICORE NONE | Other services; Claims processing; Direct payment from the plan; Participant communication; Non-monetary compensation; Float revenue; Named fiduciary; Contract Administrator Service code 12 | 400 BUCKWALTER PLACE BLVD BLUFFON, SC 29910 | $0 |
| MEDSOLUTIONS DBA EVICORE INC NONE | Other services; Contract Administrator; Named fiduciary; Participant communication; Claims processing; Non-monetary compensation; Float revenue; Direct payment from the plan Service code 12 | 730 COOL SPRINGS BLVD #800 FRANKLIN, TN 37067 | $0 |
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 | 211 | 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) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $1.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $1.8M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 282 | $57K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 282 | $32K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 282 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.