| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENERATION LLC5 | 2124 RACE ST GROUND FLR PHILADELPHIA, PA 19103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 0.35% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 900 E HAMILTON AVE SUITE 500 CAMPBELL, CA 95008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 11.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.95% |
| MORRIS JR SAMUEL R3 | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $754 | — | $754 | 1.54% |
| CHRISTA G AUFDEMBERG INC4 | 13102 BRITTANY WOODS DR TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $5K | — | $5K | 20.72% |
| FILICE INSURANCE AGENCY4 Filed as: FILICE INSURANCE SERVICES LLC | 738 NORTH FIRST ST SAN JOSE, CA 95512 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $2K | — | $2K | 10.23% |
| ALLIANT INSURANCE SERVICES, INC.4 Filed as: ALLIANT INSURANCE SERVICE INC | FL 6, 701 B ST SAN DIEGO, CA 92101 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $230 | — | $230 | 0.99% |
| LYNN R LIONHOOD4 | 140 POND VIEW DR WATER TOWN, CT 06795 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $92 | — | $92 | 0.40% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC | 738 NORTH FIRST STREET SAN JOSE, CA 95112 | BLUE CROSS OF CALIFORNIA | $6K | — | $6K | 257.35% |
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 | 451 | 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) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 0 | $2K |
| Dental | BLUE CROSS OF CALIFORNIA | 0 | $2K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 478 | $506K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 478 | $506K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 478 | $506K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 0 | $2K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 478 | $579K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.