| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | $11K | $20K | 3.75% |
| NUEVA BENEFITS GROUP INC3 | 8825 E SPEEDWAY BLVD STE 104 TUCSON, AZ 85710 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.24% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 7202 E ROSEWOOD ST STE 200 TUCSON, AZ 85710 | UNITED HEALTHCARE INSURANCE COMPANY | $375 | — | $375 | 0.07% |
| NUEVA BENEFITS GROUP INC3 | 8825 E SPEEDWAY BLVD TUCSON, AZ 857101843 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.35% |
| ROGDERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 850182151 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.09% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 37702 TUCSON, AZ 857512702 | PRINCIPAL LIFE INSURANCE COMPANY | $372 | — | $372 | 0.53% |
| NUEVA BENEFITS GROUP INC3 | 8825 E SPEEDWAY BLVD TUCSON, AZ 85715 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.25% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.69% |
| NUEVA BENEFITS GROUP INC3 | 8825 E SPEEDWAY BLVD TUCSON, AZ 85715 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.34% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | STANDARD INSURANCE COMPANY | $336 | — | $336 | 1.09% |
| NUEVA BENEFITS GROUP INC3 | 8825 E SPEEDWAY BLVD TUCSON, AZ 85715 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.41% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | STANDARD INSURANCE COMPANY | $197 | — | $197 | 0.92% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 240 | $546K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $70K |
| Life insurance | STANDARD INSURANCE COMPANY | 129 | $21K |
| Short-term disability | STANDARD INSURANCE COMPANY | 128 | $31K |
| Long-term disability | STANDARD INSURANCE COMPANY | 129 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.