| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $518 | $518 | 0.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $411 | $411 | 0.41% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MINNEAPOLISIS | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 16.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $131 | $131 | 0.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 955816 ST. LOUIS, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $125 | $125 | 0.42% |
| STEVE BAKER4 | 153 ESTHER DRR. COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $3K | — | $3K | 12.22% |
| USI INSURANCE SERVICES LLC4 | 8000 NORMAN CENTER DR. SUITE 400 BLOOMINGTON, MN 55413 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $366 | — | $366 | 1.68% |
| NHB BENEFITS4 | 640 MAIN ST. N, APT. 43C STILLWATER, MN 55082 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $154 | — | $154 | 0.71% |
| KCA MARKETING INC DBA LEGAL BENEFIT4 | PO BOX 1702 MAPLE GROVE, MN 55311 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $97 | — | $97 | 0.45% |
| TARA MOELLER4 | 16282 41ST STREET BECKER, MN 55308 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $75 | — | $75 | 0.34% |
| IDENTITY THEFT CONSULTANTS LLC4 | 20480 166TH ST NW BIG LAKE, MN 55309 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $53 | — | $53 | 0.24% |
| MATTHEW MAY4 | 13162 JEFFERSON ST. BECKER, MN 55308 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $41 | — | $41 | 0.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $948 | $948 | — |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 955816 ST, MO 63195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $636 | $636 | — |
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 | 843 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 853 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 703 | $43K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,174 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 847 | $101K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 958 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,174 | — |
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."
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.