| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $14K | $14K | 1.76% |
| NATALIE MALHAM3 Filed as: NATALIE DAWN MALHAM | 5822 NORTH 13TH STREET PHOENIX, AZ 85014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56K | $24K | $80K | 14.34% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD TUCSON, AZ 85710 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59K | $0 | $59K | 10.70% |
| JAMES D THRESHER3 Filed as: JAMES D. THRESHER | 1316 EAST NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $4K | $14K | 2.58% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $5K | $11K | 1.96% |
| LAUREN ELIZABETH MILNER3 | 4241 NORTH 2ND DRIVE PHOENIX, AZ 85013 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.24% |
| GARY MARK HELMS3 | 4230 EAST ELMWOOD STREET MESA, AZ 85205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $341 | $0 | $341 | 0.06% |
| MJ INSURANCE3 Filed as: CAROL LEE HOLDEN AND VARIOUS AGENTS | 5312 RADIANT LANE AMARILLO, TX 79109 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $2 | $13 | 0.00% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD TUCSON, AZ 85751 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $22K | $0 | $22K | 10.82% |
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 | 1,961 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,987 | 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. | 3,553 | $204K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,961 | $788K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,961 | $788K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,961 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,553 | — |
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.