| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $33 | $7K | 12.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $699 | $699 | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $23 | $23 | 0.04% |
| JACKIE G BARTA3 Filed as: JACKIE G. BARTA | 3500 NORTH MALLARD CIRCLE SIERRA VISTA, AZ 85635 | AFLAC | $5K | $129 | $5K | 9.72% |
| ERIK PAUL ISHOY3 | 100 GOLF LINKS ROAD, APARTMENT 601 SIERRA VISTA, AZ 85635 | AFLAC | $3K | $240 | $3K | 6.53% |
| KELLY MCGARRY3 | 4750 NORTH ORACLE ROAD, SUITE 214 TUCSON, AZ 85705 | AFLAC | $1K | $51 | $1K | 2.48% |
| AZ FEDERAL INS SOLN & OTHER AGENTS3 | 1125 EAST SOUTHERN AVENUE SUITE 101 MESA, AZ 85204 | AFLAC | $1K | $119 | $1K | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $584 | $0 | $584 | 1.22% |
| DONNA NORTHRUP3 Filed as: DONNA D. NORTHUP | 2534 EAST BLANTON DRIVE TUCSON, AZ 85716 | AFLAC | $398 | $0 | $398 | 0.83% |
| KEVIN DALE HARLOW3 | 2960 NORTH ACADEMY BOULEVARD COLORADO SPRINGS, CO 80917 | AFLAC | $320 | $0 | $320 | 0.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $233 | $245 | $478 | 2.64% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 741259 LOS ANGELES, CA 90074 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $58 | $0 | $58 | 5.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $58 | $0 | $58 | 5.49% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $52K |
| Short-term disability | AFLAC | 39 | $48K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $52K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.