| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 400 HIGHWAY 169 SOUTH, SUITE 800 MINNEAPOLIS, MN 55426 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $8K | $32K | 14.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 400 HIGHWAY 169 SOUTH, 8TH FLOOR SAINT LOUIS PARK, MN 55426 | VISION SERVICE PLAN | $2K | — | $2K | 3.44% |
| STEVE BAKER4 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $7K | — | $7K | 20.61% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: WELLS FARGO INSURANCE | 400 HIGHWAY 169 SOUTH SAINT LOUIS PARK, MN 55426 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $896 | — | $896 | 2.74% |
| CHRISTENSEN GROUP INC4 Filed as: CHRISTENSEN GROUP | 11100 BREN ROAD MINNETONKA, MN 55343 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $439 | — | $439 | 1.34% |
| JOSEPH HUTH4 | 11280 121ST STREET NORTH STILLWATER, MN 55082 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $308 | — | $308 | 0.94% |
| MARK MCDONALD4 | 4777 GROUSE RUN DRIVE APARTMENT 239 STOCKTON, CA 95207 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $221 | — | $221 | 0.68% |
| MJ INSURANCE4 Filed as: R. WORLD INC. AND VARIOUS AGENTS | 30429 COUNTY ROAD 3 MERRIFIELD, MN 56465 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $56 | — | $56 | 0.17% |
| ZACHARY J. HUTH4 | 11280 121ST STREET NORTH STILLWATER, MN 55082 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $38 | — | $38 | 0.12% |
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 | 507 | 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) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 297 | $57K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 454 | $223K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 454 | $223K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 454 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.
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.