| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 3.14% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $200 | $200 | 0.03% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST, VEVA 16 BLUE BELL, ME 04106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 19.71% |
| IBENEFIT COMMUNICATION LLC3 | PO BOX 2973 CLINTON, IA 52733 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.44% |
| MICHAEL S SCHWARTZ4 Filed as: MICHAEL S. SCHWARTZ | 34 DRYDEN ROAD NEW CASTLE, DE 19720 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 8.42% |
| USI INSURANCE SERVICES LLC4 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $383 | $0 | $383 | 2.69% |
| ILANA TARA WRIGHT4 | 2451 HAMMOND PLACE WILMINGTON, DE 19808 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $41 | $0 | $41 | 0.29% |
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 | 848 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | 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 |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,145 | $299K |
| Vision | INDEPENDENCE BLUE CROSS | 1,110 | $50K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 927 | $624K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 927 | $624K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 927 | $624K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 927 | $744K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,145 | — |
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."
No prospect flags tripped on this filing.