| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST VERA 16 BLUE BELL, PA 19422 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $49K | $0 | $49K | 7.58% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 0.82% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $181 | $181 | 0.03% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | -$15K | $0 | -$15K | -2.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | $0 | $28K | 51.06% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 4400 PARK ROAD, SUITE 311 CHARLOTTE, NC 28209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 23.24% |
| MICHAEL S SCHWARTZ4 Filed as: MICHAEL S. SCHWARTZ | 34 DRYDEN ROAD NEW CASTLE, DE 19720 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 10.62% |
| USI INSURANCE SERVICES LLC4 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $184 | $0 | $184 | 0.97% |
| UNKNOWN4 | UNKNOWN NORRISTOWN, PA 19401 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $86 | $0 | $86 | 0.45% |
| HUDSON PLANNING GROUP INC4 Filed as: HUDSON PLANNING GROUP, INC. | 17 HUNTSMAN DRIVE GARNET VALLEY, PA 19060 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $59 | $0 | $59 | 0.31% |
| DAVID C. BOSAK4 | 4612 CUSTER DRIVE HARRISBURG, PA 17110 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $49 | $0 | $49 | 0.26% |
| DOROTHY KRAFT4 | 4786 SE HORIZON AVENUE STUART, FL 34997 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | $0 | $26 | 0.14% |
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 | 600 | 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) | 600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,198 | $1K |
| Vision | INDEPENDENCE BLUE CROSS | 9 | $47K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 960 | $643K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 960 | $643K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 960 | $643K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 960 | $716K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,198 | — |
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.