| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 32702 TUCSON, AZ 85751 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $4K | $10K | 8.68% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.36% |
| HOME OFFICE TPA PAYS COMMISSION3 | 475 FALLBROOK BOULEVARD LINCOLN, NE 68521 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $992 | $0 | $992 | 0.90% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $236 | $0 | $236 | 0.21% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 23.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 32702 TUCSON, AZ 85751 | EMPLOYERS DENTAL SERVICES | $474 | $0 | $474 | 7.84% |
| VERONICA HAMM3 | 923 EAST 6TH STREET TUCSON, AZ 85719 | AFLAC | $10 | $0 | $10 | 1.90% |
| PATTY J NATIONS3 Filed as: PATTY NATIONS | 7850 NORTH SILVERBELL ROAD SUITE 114-310 TUCSON, AZ 85743 | AFLAC | $7 | $0 | $7 | 1.33% |
| MJ INSURANCE3 Filed as: DONALD GREEN AND VARIOUS AGENTS | 1611 WEST PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $5 | $0 | $5 | 0.95% |
| SETH G KNOWLTON3 Filed as: SETH KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $4 | $0 | $4 | 0.76% |
| KEVIN DALE HARLOW3 Filed as: KEVIN HARLOW | 2960 NORTH ACADEMY BOULEVARD COLORADO SPRINGS, CO 80917 | AFLAC | $4 | $0 | $4 | 0.76% |
| ZAKERY HARLOW3 | 2960 NORTH ACADEMY BOULEVARD SUITE 101 COLORADO SPRINGS, CO 80917 | AFLAC | $3 | $0 | $3 | 0.57% |
| LAUREL L HARLOW3 Filed as: LAUREL HARLOW | 6200 WEST ROAN PLACE TUCSON, AZ 85743 | AFLAC | $2 | $0 | $2 | 0.38% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $117K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 255 | $14K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $111K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $111K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $111K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.