| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC. | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | UNITEDHEALTHCARE INSURANCE COMPANY | $2 | $36K | $36K | 5.95% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | -$10 | -$10 | -0.00% |
| NUEVA BENEFITS GROUP INC3 | 8825 EAST SPEEDWAY BOULEVARD SUITE 104 TUCSON, AZ 85710 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | -$23 | -$23 | -0.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | PO BOX 32702 TUCSON, AZ 85751 | STANDARD INSURANCE COMPANY | $7K | $2K | $9K | 10.66% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC. | PO BOX 32702 TUCSON, AZ 85751 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $5K | 7.59% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | HM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| JENNIFER O'ROURKE3 Filed as: JENNIFER A OROURKE | 7425 NORTH MONA LISA ROAD APARTMENT 55 TUCSON, AZ 85741 | AFLAC | $1K | $103 | $1K | 9.23% |
| KEVIN DALE HARLOW3 Filed as: KEVIN DALE HARLOW AND VARIOUS AGENT | 3204 NORTH ACADEMY BOULEVARD SUITE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $533 | $26 | $559 | 4.32% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $293 | $0 | $293 | 2.26% |
| ZAKERY ALLEN HARLOW3 Filed as: ZAKERY ANN HARLOW | 3204 NORTH ACADEMY BOULEVARD SUITE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $228 | $26 | $254 | 1.96% |
| PATTY J NATIONS3 | 7850 NORTH SILVERBELL ROAD #114-310 TUCSON, AZ 85743 | AFLAC | $180 | $0 | $180 | 1.39% |
| SETH G KNOWLTON3 | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $122 | $29 | $151 | 1.17% |
| JANELL FRANK3 Filed as: JANELL R FRANK | 9110 RAILROAD DRIVE, SUITE 230 MANASSAS PARK, VA 20111 | AFLAC | $129 | $0 | $129 | 1.00% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 179 | $605K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $70K |
| Vision | HM LIFE INSURANCE COMPANY | 129 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 137 | $88K |
| Short-term disability | STANDARD INSURANCE COMPANY | 137 | $88K |
| Long-term disability | STANDARD INSURANCE COMPANY | 137 | $88K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 179 | $605K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 137 | $107K |
| 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.
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.