| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $27K | $27K | 2.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 615 EAST BRITTON ROAD OKLAHOMA CITY, OK 73114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50K | $0 | $50K | 15.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.85% |
| BANCFIRST INSURANCE SERVICES, INC.3 Filed as: BANCFIRST INSURANCE SVCS INC. | 13230 PAWNEE DR. SUITE 205 OKLAHOMA CITY, OK 73114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | $0 | $91 | 0.03% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LBJ FRWY SUITE 1940 DALLAS, TX 75240 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | $0 | $46 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 5401 ROGERS AVENUE FORT SMITH, AR 72903 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 9.08% |
| SUMMIT FINANCIAL GROUP INC.4 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LBJ FWY SUITE 1940 DALLAS, TX 75240 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 7.92% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5729 LEBANON ROAD, SUITE 144/211 FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $613 | $0 | $613 | 2.27% |
| RULE YOUR KINGDOM LP4 | 900 WASHINGTON AVE. SUITE 601 WACO, TX 76701 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $134 | $0 | $134 | 0.50% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: CECIL MARK BROWN | 505 W SIMMONS ST WEATHERFORD, TX 76086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $121 | $0 | $121 | 0.45% |
| NEW BIZ LLC4 | 4102 COLUMNS DR SE MARIETTA, GA 30067 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $42 | $0 | $42 | 0.16% |
| PAT F PARKER4 | 7859 HICKORY BRANCH DR FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | $0 | $26 | 0.10% |
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 | 1,991 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,992 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,764 | $1.2M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,764 | $1.2M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,764 | $1.2M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,931 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,931 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.