| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD OF ARIZONA | $33K | — | $33K | 2.48% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | BLUE CROSS BLUE SHIELD OF ARIZONA | $33K | — | $33K | 2.48% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $7K | $25K | 15.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: LOVITTE & TOUCHE INA A MARSH & | MCLENNA AGENCY LLC 7202 E ROSEWOOD ST STE 200 TUCSON, AZ 857101353 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $485 | $485 | 0.31% |
| EC BENEFITS INC3 | 8038 S 38TH PL PHOENIX, AZ 85042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $312 | — | $312 | 2.01% |
| HARRY S LODGE & ASSOCIATES LLC3 | 4045 N AVENIDA DEL CAZADOR TUCSON, AZ 85718 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | — | $228 | 1.47% |
| HARRYS S LODGE & ASSOCIATES LLC3 | 6117 E GRANT RD TUCSON, AZ 85712 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 1.12% |
| JB & H LLC3 | 8707 E SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 0.87% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 7202 E ROSEWOOD TUCSON, AZ 85710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.30% |
| PAUL A BYNUM3 | PO BOX 12306 TUCSON, AZ 85732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.24% |
| VINCENT TAYLOR ECHOLS3 | P O BOX 594 THATCHER, AZ 85552 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.13% |
| JOSEPH QUINTANA3 Filed as: JOSEPH QUITANA | 4005 E OSBORN RD PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.10% |
| R AND T FIGUEROA LLC3 | 7569 S CARLISLE AVE TUCSON, AZ 85746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.06% |
| LORENZA TORRES3 | 9636 E PASEO SAN BERNARDO DR TUCSON, AZ 85747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $129 | $1K | 13.59% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC A MARCH & | MCLENNAN AGENCY LLC 7202 E ROSEWOOD STE STE 200 TUCSON, AZ 857101353 | METROPOLITAN LIFE INSURANCE COMPANY | $199 | — | $199 | 2.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17 | $17 | 0.20% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $141 | $1K | 13.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: LOVITT & TOUCHE INC A MARSH & | MCLENNAN AGENCY LLC 7202 E ROSEWOOD ST STE 200 TUCSON, AZ 857101353 | METROPOLITAN LIFE INSURANCE COMPANY | $306 | — | $306 | 3.68% |
| MARSH & MCLENNAN AGENCY LLC1 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25 | $25 | 0.30% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | METROPOLITAN LIFE INSURANCE COMPANY | $562 | $109 | $671 | 15.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: LOVITT & TOUCHE INC A MARSH & | MCLENNAN AGENCY LLC 7202 E ROSEWOOD ST STE 200 TUCSON, AZ 857101353 | METROPOLITAN LIFE INSURANCE COMPANY | $143 | — | $143 | 3.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOKE, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.28% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 142 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $157K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $157K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $157K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $157K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $157K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 142 | $1.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.