| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUSCON, AZ 85751 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 8.63% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD STREET SUITE 200 TUSCON, AZ 85710 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $128 | $128 | 0.32% |
| JACKIE G BARTA3 Filed as: JACKIE G. BARTA | 3500 NORTH MALLARD CIRCLE SIERRA VISTA, AZ 85635 | AFLAC | $3K | $120 | $3K | 9.90% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $2K | $0 | $2K | 5.87% |
| MICHAEL EDWARD LI3 | 5319 NORTH ENTRADA DE SABINO TUCSON, AZ 85750 | AFLAC | $1K | $3 | $1K | 3.02% |
| ZAKERY ALLEN HARLOW3 Filed as: ZAKERY ALLEN HARLOW & OTHER AGENTS | 2030 WEST BASELINE ROAD SUITE 182-17062 PHOENIX, AZ 85041 | AFLAC | $709 | $42 | $751 | 2.16% |
| KELLY MCGARRY3 | 4750 NORTH ORACLE ROAD, SUITE 214 TUCSON, AZ 85705 | AFLAC | $744 | $3 | $747 | 2.15% |
| DONNA NORTHRUP3 Filed as: DONNA D. NORTHUP | 2534 EAST BLANTON DRIVE TUCSON, AZ 85716 | AFLAC | $531 | $0 | $531 | 1.53% |
| KEVIN DALE HARLOW3 | 2960 NORTH ACADEMY BOULEVARD COLORADO SPRINGS, CO 80917 | AFLAC | $398 | $0 | $398 | 1.15% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUSCON, AZ 85751 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $292 | $2K | 16.24% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, SUITE 800 BUFFALO, NH 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $489 | $489 | 4.54% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 333 | $40K |
| Short-term disability | AFLAC | 42 | $35K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 333 | $40K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 333 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.
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.