| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUG KEELER4 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | PRE-PAID LEGAL SERVICES INC | $25K | — | $25K | 22.95% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY & BARNEY | 300 CHERAPA PLACE, SUITE 601 SIOUX FALLS, SD 57103 | PRE-PAID LEGAL SERVICES INC | $11K | — | $11K | 10.10% |
| HEALTH AND BENEFIT SYSTEMS, INC. Filed as: HEALTH & BENEFIT SYSTEMS, INC. | 6363 COLLEGE BLVD, SUITE 500 OVERLAND PARK, KS 66211 | PRE-PAID LEGAL SERVICES INC | $130 | — | $130 | 0.12% |
| JAYME DOUCETTE4 | 15624 41ST STREET BECKER, MN 55308 | PRE-PAID LEGAL SERVICES INC | $66 | — | $66 | 0.06% |
| SANDRA KEYES4 | 16832 457TH AVENUE WATERTOWN, SD 57201 | PRE-PAID LEGAL SERVICES INC | $50 | — | $50 | 0.05% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES INC | $43 | — | $43 | 0.04% |
| DANIEL D ASSID4 Filed as: DANIEL D. ASSID | PO BOX 426 SIOUX FALLS, SD 57101 | PRE-PAID LEGAL SERVICES INC | $41 | — | $41 | 0.04% |
| KCA MARKETING INC DBA LEGAL BENEFIT4 | PO BOX 1833 SAINT CLOUD, MN 56302 | PRE-PAID LEGAL SERVICES INC | $35 | — | $35 | 0.03% |
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 | 1,474 | 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) | 1,474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | PRE-PAID LEGAL SERVICES INC | 1,474 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,474 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.