| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | PO BOX 32702 TUCSON, AZ 85751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 4.69% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET, SUITE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$11 | $1K | $1K | 3.44% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $780 | $384 | $1K | 2.82% |
| JACKIE G BARTA3 Filed as: JACKIE G. BARTA | 3500 NORTH MALLARD CIRCLE SIERRA VISTA, AZ 85635 | AFLAC | $2K | $334 | $2K | 8.69% |
| MJ INSURANCE3 Filed as: STEPHEN WHITE AND VARIOUS AGENTS | 9335 EAST BASELINE ROAD APARTMENT 2049 MESA, AZ 85209 | AFLAC | $1K | $0 | $1K | 3.67% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | PO BOX 32702 TUCSON, IN 85751 | AFLAC | $698 | $0 | $698 | 2.49% |
| SETH G KNOWLTON3 Filed as: SETH G. KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $367 | $134 | $501 | 1.79% |
| KEVIN DALE HARLOW3 | 2960 NORTH ACADEMY COLORADO SPRINGS, CO 80917 | AFLAC | $425 | $0 | $425 | 1.52% |
| DONNA NORTHRUP3 Filed as: DONNA D. NORTHUP | 3501 NORTH FREEWAY SPC 65 TUCSON, AZ 85705 | AFLAC | $378 | $0 | $378 | 1.35% |
| DAVID R LATTIMER3 Filed as: DAVID R. LATTIMER | 3029 NORTH SONORAN HILLS MESA, AZ 85207 | AFLAC | $308 | $0 | $308 | 1.10% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $41K |
| Short-term disability | AFLAC | 38 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $41K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.