| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NA | 8000 NORMAN CENTER DR STE 400 BLOOMINGTON, MI 55437 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $980 | $10K | 6.44% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN) | 1800 M ST NW STE 900S WASHINGTON, DC 20036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 4.22% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY(EASTERN) | 1800 M ST NW STE 900S WASHINGTON, DC 20036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 6.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NA | 8000 NORMAN CENTER DR STE 400 BLOOMINGTON, MN 55437 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $9K | 6.59% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO | 1800 M ST NW STE 900S WASHINGTON, DC 200365880 | VISION SERVICE PLAN | $1K | — | $1K | 1.61% |
| STEVE BAKER4 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $6K | — | $6K | 20.97% |
| 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 | $485 | — | $485 | 1.69% |
| CHRISTENSEN GROUP INC4 Filed as: CHRISTENSEN GROUP | 9855 W. 78TH ST SUITE 100 EDEN PRAIRIE, MN 55344 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $332 | — | $332 | 1.15% |
| JOSEPH HUTH4 | 3863 CRESTWOOD PL WHITE BEAR LAKE, MN 55110 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $250 | — | $250 | 0.87% |
| ZACHARY J. HUTH4 | 11280 121ST ST. N. STILLWATER, MN 55082 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $31 | — | $31 | 0.11% |
| IDENTITY THEFT CONSULTANTS LLC4 | 15624 41ST ST BECKER, MN 55308 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $29 | — | $29 | 0.10% |
| MARK MCDONALD4 | 1365 SEACOAST DR UNIT M IMPERIAL BEACH, CA 91932 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $27 | — | $27 | 0.09% |
| ALEXANDER R. HUTH4 | 801 E. ARMOUR BLVD APT. 905 KANSAS CITY, MO 64109 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $10 | — | $10 | 0.03% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN) | 1800 M ST NW STE 900S WASHINGTON, DC 20036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NA | 8000 NORMAN CENTER DR STE 400 BLOOMINGTON, MN 55437 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $283 | $1K | 6.62% |
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 | 539 | 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) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 328 | $72K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 539 | $136K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 539 | $149K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 539 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 539 | — |
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.