| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN SGENCY LLC | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635826 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $54K | — | $54K | 15.86% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 741259 LOS ANGELES, CA 900741259 | METRPOLITAN LIFE INSURANCE COMPANY | $25K | $38 | $25K | 18.59% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METRPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 8.94% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAPMAN BENEFIT ADMINSTRATORS | PO BOX 9201 AUSTIN, TX 787669201 | METRPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 7.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BRROK, NJ 076635826 | METRPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.48% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 741259 LOS ANGELES, CA 900741259 | METRPOLITAN LIFE INSURANCE COMPANY | — | $326 | $326 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METRPOLITAN LIFE INSURANCE COMPANY | — | $21 | $21 | 0.02% |
| HOME OFFICE TPA PAYS COMMISSION5 | 475 FALLBROOK BLVD LINCOLN, NE 685219033 | AMERITAS LIFE INSURANCE CORP. | $10K | $0 | $10K | 9.08% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | AMERITAS LIFE INSURANCE CORP. | — | $4K | $4K | 3.72% |
| EC BENEFITS INC3 | 8038 S 38TH PL PHOENIX, AZ 85042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | — | $298 | 2.13% |
| HARRY S LODGE & ASSOCIATES LLC3 | 4045 N AVENIDA DEL CAZADOR TUCSON, AZ 85718 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $237 | — | $237 | 1.70% |
| JB & H LLC3 | 8707 E SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.96% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 741259 LOS ANGELES, CA 90074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.36% |
| PAUL A BYNUM3 | PO BOX 12306 TUCSON, AZ 85732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.29% |
| HARRY S LODGE & ASSOCIATES LLC3 Filed as: HARRY S LODGE * ASSOCIATES LLC | 6117 E GRANT RD TUCSON, AZ 85712 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.27% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT TAYLOR ECHOLD | P O BOX 594 THATCHER, AZ 85552 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.14% |
| JOSPEH QUINTANA3 | 4005 E OSBORN RD PHOENIX, AZ 85018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.10% |
| R AND T FIGUEROA LLC3 Filed as: R & T FIGUEROA LLC | 7569 S CARLISLE AVE TUCSON, AZ 85746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 741259 LOS ANGELES, CA 900741259 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $38 | $2K | 15.22% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $535 | $159 | $694 | 6.43% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $535 | $535 | 4.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $134 | $134 | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.02% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 741259 LOS ANGELES, CA 900741259 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $38 | $1K | 15.23% |
| GIS BENEFITS INC3 | 422 WAUPONSEE MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $484 | $144 | $628 | 6.42% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $484 | $484 | 4.95% |
| 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 | — | $121 | $121 | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 4000 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.02% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 741259 LOS ANGELES, CA 900741259 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $38 | $2K | 18.46% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $561 | $156 | $717 | 7.69% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAPMAN BENEFITS ADMINISTRATOR | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $561 | $561 | 6.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $140 | $140 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 EMPLOYER | Non-monetary compensation; Contract Administrator; Named fiduciary; Other services; Direct payment from the plan; Claims processing; Float revenue; Participant communication Service code 12 | — | $9K |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 142 | $386K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 319 | $115K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 319 | $115K |
| Life insurance | METRPOLITAN LIFE INSURANCE COMPANY | 179 | $135K |
| Short-term disability | METRPOLITAN LIFE INSURANCE COMPANY | 179 | $135K |
| Long-term disability | METRPOLITAN LIFE INSURANCE COMPANY | 179 | $135K |
| Other | METRPOLITAN LIFE INSURANCE COMPANY | 179 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.