| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | BLUE CROSS BLUE SHIELD OF ARIZONA | $47K | — | $47K | 5.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | ATTN ACCOUNTING DEPT PO BOX 32702 TUCSON, AZ 857512702 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 7.74% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST BUFFALO, NY 142042247 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.04% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE IN | PO BOX 32702 TUCSON, AZ 857512702 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $4K | $15K | 13.52% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| EC BENEFITS INC3 | 8038 S 38TH PL PHOENIX, AZ 85042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $451 | — | $451 | 2.35% |
| HARRY S LODGE & ASSOCIATES LLC3 Filed as: HARRY LODGE & ASSOCIATES | 4045 N AVENIDA DE CAZADOR TUCSON, AZ 85718 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | — | $269 | 1.40% |
| JB & H LLC3 | 8707 E SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $1 | $241 | 1.26% |
| HARRY S LODGE & ASSOCIATES LLC3 | 6117 E GRANT RD TUCSON, AZ 85712 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 1.01% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 7202 E ROSEWOOD TUCSON, AZ 85710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $0 | $124 | 0.65% |
| DEBORAH KNICKERBOCKER3 | PO BOX 823 CORTARO, AZ 85652 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.29% |
| VINCENT TAYLOR ECHOLS3 | P O BOX 594 THATCHER, AZ 85552 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $1 | $35 | 0.18% |
| PAUL A BYNUM3 | PO BOX 12306 TUCSON, AZ 85732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.18% |
| JOSEPH QUINTANA3 | 27 N COUNTRY CLUB DR PHOENIX, AZ 85014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.09% |
| R AND T FIGUEROA LLC3 | 7569 S CARLISLE AVE TUCSON, AZ 85746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.07% |
| LORENZA TORRES3 | 9636 E PASEO SAN BERNARDO DR TUCSON, AZ 85747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $850 | $4K | 20.51% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $891 | — | $891 | 5.19% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $469 | $2K | 23.04% |
| LIAZON BENEFITS INC3 Filed as: LIAZON | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $453 | — | $453 | 5.71% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 132 | $969K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 277 | $110K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 277 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 166 | $108K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 166 | $108K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 166 | $108K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 132 | $944K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 166 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.