| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85710 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $18K | $18K | 2.48% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON, SUITE 233 TEMPE, AZ 85281 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $6K | $6K | 0.83% |
| NATALIE MALHAM3 Filed as: NATALIE DAWN MALHAM | 5642 EAST EDGEMONT AVENUE SCOTTSDALE, AZ 85257 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60K | $92K | $151K | 39.46% |
| JAMES D THRESHER3 | 1316 EAST NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33K | $40K | $73K | 18.94% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD TUCSON, AZ 85710 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44K | $16K | $60K | 15.55% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $13K | $34K | 8.91% |
| GARY MARK HELMS3 | 4230 EAST ELMWOOD STREET MESA, AZ 85205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $5K | $6K | 1.55% |
| LAUREN ELIZABETH MILNER3 | 5642 EAST EDGEMONT AVENUE SCOTTSDALE, AZ 85257 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $183 | $47 | $230 | 0.06% |
| EVELYN HIDEGARD BLAKELY3 Filed as: EVELYN H. BLAKELY AND OTHER AGENTS | 4211 MANGROVE CAVE COURT ROUND ROCK, TX 78681 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.00% |
| CSA GENERAL INSURANCE AGENCY3 | UNKNOWN PHOENIX, AZ 85069 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $12K | $0 | $12K | 6.35% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $10K | $0 | $10K | 5.00% |
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 | 2,026 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,039 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 3,603 | $195K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,026 | $720K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,026 | $720K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,026 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,603 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.