| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | P O BOX 32702 TUCSON, AZ 85751 | HM LIFE INSURANCE COMPANY | $139K | — | $139K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE SUNDT COMPANIES, INC. EIN 86-0923877 | Plan Administrator Service code 14 | 2015 W RIVER ROAD, SUITE 101 TUCSON, AZ 85704 | $592K |
| CIGNA EIN 06-0303370 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | 13045 TESSON FERRY ROAD ST LOUIS, MO 75284 | $451K |
| SECOVA EIN 33-0954754 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 5000 BIRCH STREET NEWPORT BEACH, CA 92660 | $151K |
| SNELL AND WILMER EIN 86-0089731 | Legal Service code 29 | ONE ARIZONA CENTER 400 E VAN BUREN STE 1900 PHOENIX, AZ 85004 | $31K |
| MAYER HOFFMAN MCCANN, P.C. EIN 43-1947695 | Accounting (including auditing) Service code 10 | 3101 NORTH CENTRAL AVE., SUITE 300 PHOENIX, AZ 85012 | $30K |
| MHN EIN 95-4146179 | Other services Service code 49 | P O BOX 9088 SAN RAFAEL, CA 94912 | $24K |
| JPMORGAN CHASE BANK EIN 13-4994650 | Trustee (bank, trust company, or similar financial institution) Service code 21 | 201 N CENTRAL AVENUE PHOENIX, AZ 85004 | $8K |
| CERIDIAN EIN 41-1981625 | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 3311 OLD SHAKOPEE ROAD MINNEAPOLIS, MN 55425 | $5K |
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 | 1,577 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,577 | $926K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,577 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.