| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PA INC (RADNOR) | PO BOX 32090 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $50K | $50K | 0.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 32090 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $14K | $14K | 2.02% |
| GROUP AGENCY MANAGEMENT INC.4 Filed as: GROUP AGENCY MANAGEMENT INC | P.O. BOX 113 VINTON, VA 24179 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 29.72% |
| PATRICE M. GAUL4 | 509 SHERBROOK LANE DOWNINGTOWN, PA 19335 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $145 | — | $145 | 1.26% |
| PATRICIA SWANSON4 | 579 W LEMON AVE MONROVIA, CA 91016 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $51 | — | $51 | 0.44% |
| JULIE GERSHON4 | 7 CAPOZZI CIRCLE WOBURN, MA 01801 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $32 | — | $32 | 0.28% |
| THE ROEBUCK GROUP LLC4 | STE 459 4240 PORTSMOUTH BLVD CHESAPEAKE, VA 23321 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $25 | — | $25 | 0.22% |
| LAWRENCE SAWYER4 | 132 KINGSWAY MOYOCK, NC 27958 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $11 | — | $11 | 0.10% |
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 | 2,703 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 120 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,868 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,102 | $21.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,102 | $21.6M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 4,134 | $205K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,703 | $709K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,703 | $709K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,703 | $721K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,134 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.