| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC AGCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $190 | $2K | 22.01% |
| MARSH & MCLENNAN AGENCY LLC4 | PO BOX 37 DAYTON, OH 45401 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $801 | $0 | $801 | 17.00% |
| KARA A GOODWIN4 | 651 BLACKBURN AVE FAIRFIELD, OH 45014 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $47 | $0 | $47 | 1.00% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE | 140 | $98K |
| Vision | EYEMED | 274 | $23K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $207K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $207K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $207K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.