| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 7202 E ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 7.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 NORTH CENTRAL PHOENIX, AZ 85012 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 3.02% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | DELTA DENTAL OF ARIZONA | $3K | — | $3K | 8.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 9TH FLOOR PHOENIX, AZ 85012 | DELTA DENTAL OF ARIZONA | $753 | — | $753 | 2.10% |
| PAGE E DEWITT3 | 1616 E LEHI ROAD MESA, AZ 85203 | DELTA DENTAL OF ARIZONA | $261 | — | $261 | 0.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 7202 E ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.65% |
| PAGE E DEWITT3 | 1616 E LEHI ROAD MESA, AZ 85203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $298 | — | $298 | 1.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 7202 E ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 20.24% |
| PAGE E DEWITT3 | 1616 E LEHI ROAD MESA, AZ 85203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $251 | — | $251 | 1.08% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 7202 E ROSEWOOD SUITE 200 TUCSON, AZ 85710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $594 | — | $594 | 3.48% |
| JAMES D THRESHER3 | 1316 E NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | — | $288 | 1.69% |
| JB & H LLC3 | 8707 E SAGUARDO VIEW PLACE VALI, AZ 85641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | — | $211 | 1.24% |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA STREET SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.72% |
| NOAH OROPEZA3 | 5305 N GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.47% |
| KENT BISWANGER3 | 1851 W HIDDENVIEW DRIVE PHOENIX, AZ 85045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.37% |
| GLORIA GUERRA3 | 4150 W PEORIA AVENUE PHOENIX, AZ 85029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.30% |
| R AND T FIGUEROA LLC3 | 7569 S CARLISLE AVENUE TUCSON, AZ 85747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.22% |
| JAMES NICHOLAS THRESHER3 | 1337 W GILA LANE CHANDLER, AZ 85224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 7202 E ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $859 | $3K | 18.93% |
| PAGE E DEWITT3 | 1616 E LEHI ROAD MESA, AZ 85203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $193 | — | $193 | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 7202 E ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $996 | $425 | $1K | 19.65% |
| PAGE E DEWITT3 | 1616 E LEHI ROAD MESA, AZ 85203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $88 | — | $88 | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: LOVITT & TOUCHE MARSH & MCLENNEN | 7202 E ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | EYEMED VISION CARE | $609 | — | $609 | 9.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 NORTH CENTRAL PHOENIX, AZ 85012 | EYEMED VISION CARE | $309 | — | $309 | 5.05% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 7202 E ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | ALPHA DENTAL OF ARIZONA INC | $466 | — | $466 | 10.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES INC | 9TH FLOOR PHOENIX, AZ 85012 | ALPHA DENTAL OF ARIZONA INC | $117 | — | $117 | 2.73% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 72 | $234K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ARIZONA | 43 | $40K |
| Vision | EYEMED VISION CARE | 94 | $6K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $26K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 102 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.