| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN G. MARGILOFF4 Filed as: SUSAN G MARGILOFF | 5025 HILLSBORO PIKE APT 2D NASHVILLE, TN 37215 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $7K | — | $7K | 24.02% |
| MARTINEZ & ASSOCIATES INS INC4 | 1068 WELLINGTON WAY LEXINGTON, KY 40513 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $36 | — | $36 | 0.12% |
| MELISSA J DALFONSO4 | 10 DECLARATION DR WESTBROOK, ME 04092 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $35 | — | $35 | 0.11% |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | 222 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.