| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITTT AND TOUCHE, INC | PO BOX 32702 TUCSON, AZ 85751 | BLUE CROSS BLUE SHIELD OF ARIZONA | $37K | $0 | $37K | 5.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 32702 TUCSON, AZ 85751 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.38% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITTT AND TOUCHE, INC | PO BOX 32702 TUCSON, AZ 85751 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.84% |
| JENNIFER O'ROURKE3 Filed as: JENNIFER A. ORDOURKE | 7425 NORTH MONA LISA ROAD, SUITE 55 TUCSON, AZ 85741 | AFLAC | $2K | $65 | $2K | 12.20% |
| JENNIFER O'ROURKE3 Filed as: JENNIFER A. ORDOURKE | 9925 EAST TANQUE VERDE ROAD SUITE 9103 TUCSON, AZ 85749 | AFLAC | $1K | $0 | $1K | 6.89% |
| SETH G KNOWLTON3 Filed as: SETH G. KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $874 | $26 | $900 | 5.61% |
| DAVID R LATTIMER3 Filed as: DAVID R. LATTIMER | 3029 NORTH SONORAN HILLS MESA, AZ 85207 | AFLAC | $404 | $0 | $404 | 2.52% |
| MJ INSURANCE3 Filed as: LAUREL L. HARLOW & VARIOUS AGENTS | 6200 ROAN PLACE TUCSON, AZ 85743 | AFLAC | $290 | $0 | $290 | 1.81% |
| KEVIN DALE HARLOW3 | 2960 NORTH ACADEMY BOULEVARD COLORADO SPRINGS, CO 80917 | AFLAC | $83 | $0 | $83 | 0.52% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $5 | $0 | $5 | 0.03% |
| CSA GENERAL INSURANCE AGENCY3 | UNKNOWN PHOENIX, AZ 85069 | EYEMED | $1K | $0 | $1K | 9.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | EMPLOYERS DENTAL SERVICE | $317 | $0 | $317 | 3.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 32702 TUCSON, AZ 85751 | EMPLOYERS DENTAL SERVICE | $317 | $0 | $317 | 3.88% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 100 | $700K |
| Dental(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $164K |
| Vision | EYEMED | 267 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $156K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $156K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $156K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 100 | $700K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.