| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY(EASTERN) | 1800 M ST NW STE 900S WASHINGTON, DC 20036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | — | $30K | 12.00% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DR SUITE 400 BLOOMINGTON, MN 55437 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $462 | $462 | 0.18% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN) | 1800 M ST NW STE 900S WASHINGTON, DC 20036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 10.00% |
| 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 | $0 | $218 | $218 | 0.11% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO | 1800 M ST NW STE 900S WASHINGTON, DC 200365880 | VISION SERVICE PLAN | $2K | — | $2K | 2.74% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL COMPANY (EASTERN) | 1800 M ST NW STE 900S WASHINGTON, DC 20036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.00% |
| 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 | — | $64 | $64 | 0.19% |
| STEVE BAKER4 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $8K | — | $8K | 25.50% |
| USI INSURANCE SERVICES LLC4 | 8000 NORMAN CENTER DR STE 400 BLOOMINGTON, MN 55437 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $429 | — | $429 | 1.45% |
| CHRISTENSEN GROUP INC4 Filed as: CHRISTENSEN GROUP | 9855 W. 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $245 | — | $245 | 0.83% |
| JOSEPH HUTH4 | 3863 CRESTWOOD PL WHITE BEAR LAKE, MN 55110 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $231 | — | $231 | 0.78% |
| R WORLD, INC.4 Filed as: R WORLD INC | P.O.BOX 330 MERRIFIELD, MN 56465 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $53 | — | $53 | 0.18% |
| HAYS COMPANIES, INC.4 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $53 | — | $53 | 0.18% |
| IDENTITY THEFT CONSULTANTS LLC4 | 20480 166TH ST NW BIG LAKE, MN 55309 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $41 | — | $41 | 0.14% |
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 | 611 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 383 | $80K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 611 | $251K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 610 | $201K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 611 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 611 | — |
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.