| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | BLUE CROSS BLUE SHIELD OF ARIZONA | $91K | — | $91K | 21.10% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT TOUCHE INC | PO BOX 32702 TUCSON, AZ 857512702 | PRINCIPAL LIFE INSURANCE COMPANY | $43K | — | $43K | 10.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 CLAIMS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $200K |
| LIFEWORKS US INC EIN 81-1114266 SERVICE PROVIDER | Other services Service code 49 | — | $8K |
| AMERICAN SPECIALTY HEALTH SYSTEMS EIN 33-0938349 SERVICE PROVIDER | Other services Service code 49 | — | $0 |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 192 | $433K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 643 | $426K |
| Vision | BLUE CROSS BLUE SHIELD OF ARIZONA | 192 | $433K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 643 | $426K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 643 | $426K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 643 | $426K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 192 | $433K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 192 | $433K |
| Other | BLUE CROSS BLUE SHIELD OF ARIZONA | 192 | $433K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 643 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.