| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | BLUE CROSS BLUE SHIELD OF ARIZONA | $29K | $0 | $29K | 4.77% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | STANDARD INSURANCE COMPANY | $8K | $995 | $9K | 9.63% |
| CSA GENERAL INSURANCE AGENCY3 | 2480 WEST LAS PALMARITAS DRICE PHOENIX, AZ 85710 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 7.10% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD TUCSON, AZ 85710 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.10% |
| CSA GENERAL INSURANCE AGENCY3 | CARE OF BCBS ATTENTION CASH CONTROL PHOENIX, AZ 85069 | EYEMED | $2K | $0 | $2K | 14.56% |
| JENNIFER O'ROURKE3 Filed as: JENNIFER A OROURKE | 7425 NORTH MONA LISA ROAD APARTMENT 55 TUCSON, AZ 85741 | AFLAC | $1K | $54 | $1K | 11.96% |
| SETH G KNOWLTON3 | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $503 | $0 | $503 | 4.12% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE, INC. AND VAR AGN | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $260 | $11 | $271 | 2.22% |
| ZAKERY ALLEN HARLOW3 | 2960 NORTH ACADEMY BOULEVARD SUITE 101 COLORADO SPRINGS, CO 80917 | AFLAC | $83 | $11 | $94 | 0.77% |
| KEVIN DALE HARLOW3 | 2960 NORTH ACADEMY BOULEVARD COLORADO SPRINGS, CO 80917 | AFLAC | $91 | $0 | $91 | 0.75% |
| VERONICA HAMM3 Filed as: VERONICA J HAMM | 923 EAST 6TH STREET TUCSCON, AZ 85719 | AFLAC | $66 | $0 | $66 | 0.54% |
| PATTY J NATIONS3 | 7850 NORTH SILVERBELL ROAD SUITE 114-310 TUCSON, AZ 85743 | AFLAC | $48 | $0 | $48 | 0.39% |
| LOVITT AND TOUCHE, INC.3 | UNKNOWN TUCSON, AZ 85710 | EMPLOYERS DENTAL SERVICE | $476 | $0 | $476 | 9.76% |
| UNKNOWN3 | UNKNOWN GREEN VALLEY, AZ 85614 | JORGENSEN HEALTHCARE ASSOCIATES INC. DBA JORGENSEN BROOKS GROUP | $0 | $5K | $5K | — |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 105 | $598K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $67K |
| Vision | EYEMED | 282 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 142 | $90K |
| Short-term disability | STANDARD INSURANCE COMPANY | 142 | $90K |
| Long-term disability | STANDARD INSURANCE COMPANY | 142 | $90K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 142 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.