| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC DBA | ACRISURE 318 E CARRUTH LANE DOUBLE OAK, TX 75077 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $80K | $237K | $317K | 8.75% |
| ACRISURE LLC3 | DBA VCG CONSULTANTS 3350 RIVERWOOD PARKWAY, SUITE 600 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $415K | — | $415K | 26.15% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC DBA | ACRISURE 318 E CARRUTH LANE DOUBLE OAK, TX 75077 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $82K | $82K | 6.81% |
| CROUSE COMPANY LLC4 | 601 REDLEAF RIDGE CIRCLE NASHVILLE, TN 37211 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $18K | — | $18K | 10.57% |
| ACRISURE LLC4 | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $15K | — | $15K | 9.00% |
| CAP STEWART4 | 5701 WALDEN WOODS CT KNOXVILLE, TN 37917 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $6K | — | $6K | 3.72% |
| LYNDA BLANKENSHIP4 Filed as: LYNDA N BLANKENSHIP | 1907 WASHINGTON AVE KNOXVILLE, TN 37917 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $895 | — | $895 | 0.52% |
| CHRISTINA NELSON4 | 6817 SURREY OAK DR APPOLLO BEACH, FL 33572 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $136 | — | $136 | 0.08% |
| MURFF MEDIA, LLC4 Filed as: C A MURFF | 3776 HOWARD HUGHES PKWY UNIT 532 LAS VEGAS, NV 89169 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $101 | — | $101 | 0.06% |
| THELMA JEAN CITTA4 | PO BOX 4353 CHERRY HILL, NJ 08034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $58 | — | $58 | 0.03% |
| KATHERINE CERIDWEN GREEN4 | 42795 DEAUVILLE PARK CT FREMONT, CA 94538 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $45 | — | $45 | 0.03% |
| GERALD MCGEEHAN4 | 3148 BETHEL WILMINGTON RD NEW WILMINGTON, PA 16142 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $40 | — | $40 | 0.02% |
| SMART SHIELD INC.4 Filed as: SMART SHIELD INC | 332 KINGSPORT CT CRYSTAL LAKE, IL 60012 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $38 | — | $38 | 0.02% |
| DL JONES & ASSOCIATES4 Filed as: D L JONES & ASSOCIATES | 3517 DEL MAR AVE DAVIE, FL 33328 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $36 | — | $36 | 0.02% |
| MICHAEL SCHECHTER4 | 32 GOODWIN ST STAMFORD, CT 06906 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | — | $29 | 0.02% |
| MASOLI LEGACY LLC4 | 4319 BLENHEIM WAY CONCORD, CA 94521 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $24 | — | $24 | 0.01% |
| DEANNE KATSAROS4 | 13820 EMERSON ST APT 303S PALM BEACH, FL 33418 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $24 | — | $24 | 0.01% |
| ELSON HARKEMA4 | 305 AGOLI LN LOUDON, TN 37774 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $22 | — | $22 | 0.01% |
| MURFF MEDIA, LLC4 Filed as: MURFF MEDIA LLC | 3776 HOWARD HUGHES PKWY UNIT 532 LAS VEGAS, NV 89169 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $20 | — | $20 | 0.01% |
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 | 11,449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 759 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 12,208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 485 | $6.6M |
| Vision | VISION SERVICE PLAN | 7,475 | $1.4M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11,479 | $3.6M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11,479 | $1.2M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 485 | $3.5M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 4,021 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,479 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.