| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZAIN SYED HASAN3 | 6915 LONG LEAF DRIVE PARKLAND, FL 33076 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $107K | $0 | $107K | 17.18% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD, SUITE 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $41K | $41K | 6.65% |
| BRIAN A. MARTINEZ3 | 136 PRAIRIE DUNE WAY ORLANDO, FL 33828 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $323 | $0 | $323 | 5.58% |
| MICHAEL SCHWARTZ3 | UNKNOWN PHILADELPHIA, PA 19140 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $144 | $0 | $144 | 2.49% |
| WORRY FREE LIVE MORE LLC3 | 7025 COUNTY ROAD 45A SUITE 1071-328 LAKE MARY, FL 32746 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $108 | $0 | $108 | 1.87% |
| LESLEY MARCELIN3 | 6526 SEASHORE HIGHWAY GEORGETOWN, DE 19947 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $26 | $0 | $26 | 0.45% |
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 | 336 | 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) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHIEST YOU | 336 | $0 |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 336 | $623K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 910 | $43K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 336 | $623K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 336 | $623K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 336 | $623K |
| Prescription drug | NAVITUS HEALTH SOLUTIONS | 908 | $680K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 336 | $628K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 910 | — |
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.