| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $465 | $6K | 10.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 6279 TRI RIDGE BOULEVARD, SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.01% |
| JACKIE G BARTA3 Filed as: JACKIE G. BARTA | 3500 NORTH MALLARD CIRCLE SIERRA VISTA, AZ 85635 | AFLAC | $2K | $260 | $3K | 5.72% |
| ZAKERY ALLEN HARLOW3 Filed as: ZAKERY ALLEN HARLOW & OTHER AGENTS | 2030 WEST BASELINE ROAD SUITE 182-17062 PHOENIX, AZ 85041 | AFLAC | $851 | $0 | $851 | 1.87% |
| KELLY MCGARRY3 | 4742 NORTH ORACLE ROAD, SUITE 210 TUCSON, AZ 85705 | AFLAC | $658 | $94 | $752 | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $534 | $0 | $534 | 1.17% |
| DONNA NORTHRUP3 Filed as: DONNA D. NORTHRUP | 2534 EAST BLANTON DRIVE TUCSON, AZ 85716 | AFLAC | $429 | $0 | $429 | 0.94% |
| ERIK PAUL ISHOY3 | 100 GOLF LINKS ROAD, APARTMENT 601 SIERRA VISTA, AZ 85635 | AFLAC | $302 | $86 | $388 | 0.85% |
| KEVIN DALE HARLOW3 | 2960 NORTH ACADEMY BOULEVARD COLORADO SPRINGS, CO 80917 | AFLAC | $344 | $0 | $344 | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $115 | $0 | $115 | 12.29% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 398 | $54K |
| Short-term disability | AFLAC | 49 | $45K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 398 | $54K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 398 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.