| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $0 | $8K | 9.89% |
| LOVITT AND TOUCHE, INC.3 | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 10.00% |
| THE NIA GROUP3 | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $789 | $789 | 2.03% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $977 | $0 | $977 | 10.11% |
| KAREN MARIE JONES3 Filed as: KAREN JONES | 16211 NORTH SCOTTSDALE ROAD PMB 614 SCOTTSDALE, AZ 85254 | AFLAC | $266 | $0 | $266 | 4.97% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 400 EAST RIVULON BOULEVARD SUITE 116 GILBERT, AZ 85297 | AFLAC | $74 | $0 | $74 | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $69 | $0 | $69 | 1.29% |
| ALFREDO VARGAS3 | 6230 NORTH FLORENCE AVENUE LITCHFIELD PARK, AZ 85340 | AFLAC | $44 | $0 | $44 | 0.82% |
| MICHAEL J MCNAUGHTON3 Filed as: MICHAEL MCNAUGHTON | 115 MIZELL LANE WEST MONROE, LA 71291 | AFLAC | $22 | $0 | $22 | 0.41% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA SCHOFIELD AND OTHER AGENTS | 5552 WEST NORTHWOOD DRIVE GLENDALE, AZ 85310 | AFLAC | $19 | $0 | $19 | 0.35% |
| NANCY ELLEN CARLSON3 Filed as: NANCY CARLSON | 9506 WEST APPALOOSA DRIVE SUN CITY, AZ 85373 | AFLAC | $15 | $0 | $15 | 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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 93 | $78K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 146 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $39K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $39K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $39K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.