| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON, SUITE 233 TEMPE, AZ 85281 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $12K | $0 | $12K | 1.54% |
| NATALIE MALHAM3 Filed as: NATALIE DAWN MALHAM | 5822 NORTH 13TH STREET PHOENIX, AZ 85014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $83K | $38K | $122K | 17.48% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD TUCSON, AZ 85710 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $71K | $0 | $71K | 10.18% |
| JAMES D THRESHER3 Filed as: JAMES D. THRESHER | 1316 EAST NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $32K | $51K | 7.26% |
| MJ INSURANCE3 Filed as: LES MILLER AND VARIOUS AGENTS | PO BOX 7079 ABILENE, TX 79608 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $8K | $19K | 2.80% |
| LAUREN ELIZABETH MILNER3 | 5642 EAST EDGEMONT AVENUE SCOTTSDALE, AZ 85257 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 0.76% |
| GARY MARK HELMS3 | 4230 EAST ELMWOOD STREET MESA, AZ 85205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $25 | $3K | 0.36% |
| EVELYN GARCIA3 Filed as: EVELYN HILDEGARD BLAKELY | 4211 MANGROVE CAVE COURT ROUND ROCK, TX 78681 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.00% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $21K | $0 | $21K | 10.02% |
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 | 1,725 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,755 | 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. | 3,616 | $213K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,964 | $792K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,964 | $792K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,964 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,616 | — |
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.