| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | 400 HIGHWAY 169 S., SUITE 800 MINNEAPOLIS, MN 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 12.00% |
| WELLS FARGO INSURANCE SERVICES3 | 400 HIGHWAY 169 SOUTH, SUITE 800 MINNEAPOLIS, MN 55426 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 8000 NORMAN CENTER DR STE 400 BLOOMINGTON, MN 554371180 | VISION SERVICE PLAN | $2K | — | $2K | 3.46% |
| WELLS FARGO INSURANCE SERVICES3 | 400 HIGHWAY 169 SOUTH SUITE 800 MINNEAPOLIS, MN 55426 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.00% |
| STEVE BAKER4 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $6K | — | $6K | 21.85% |
| USI INSURANCE SERVICES LLC4 Filed as: USI INSURANCE SERVICES NATIONAL INC | 8331 NORMAN CENTER DR SUITE 500 BLOOMINGTON, MN 55413 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $503 | — | $503 | 1.95% |
| CHRISTENSEN GROUP INC4 Filed as: CHRISTENSEN GROUP | 9855 W. 78TH ST SUITE 100 EDEN PRAIRIE, MN 55343 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $304 | — | $304 | 1.18% |
| JOSEPH HUTH4 | 3863 CRESTWOOD PL WHITE BEAR LAKE, MN 55110 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $231 | — | $231 | 0.90% |
| MARK MCDONALD4 | 1365 SEACOAST DR UNIT M IMPERAIL BEACH, CA 91932 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $29 | — | $29 | 0.11% |
| ZACHARY J. HUTH4 | 11280 121ST ST. N. STILLWATER, MN 55082 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $29 | — | $29 | 0.11% |
| ALEXANDER R. HUTH4 | 801 E. ARMOUR BLVD., APT. 905 KANSAS CITY, MO 64109 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $10 | — | $10 | 0.04% |
| R WORLD, INC.4 Filed as: R. WORLD INC. | P.O. BOX 330 MERRIFIELD, MN 56465 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $6 | — | $6 | 0.02% |
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 | 516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 518 | 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 | 516 | $209K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 516 | $123K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 516 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.