| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MCGEE LC3 | 920 MAIN STREET SUITE 1700 KANSAS CITY, MO 64105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 13.84% |
| RYAN BOWLING3 Filed as: RYAN L BOWLING | 9321 W 158TH ST OVERLOOK PARK, KS 66221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 7.18% |
| THOMAS MCGEE LC3 Filed as: THOMAS MCGEE L.C. | 920 MAIN ST. STE 1700 KANSAS CITY, MO 64108 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.42% |
| CASSANDRA L PRINKE4 Filed as: CASSANDRA L. PRINKE | 25825 N. MOON BLOSSUM LN PHOENIX, AZ 85083 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 21.16% |
| DULEY BOLWAR & ASSOCIATES INC4 | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 13.80% |
| THOMAS MCGEE LC4 | 920 MAIN ST. STE 1700 KANSAS CITY, MO 64105 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $745 | — | $745 | 8.51% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 852603107 | RELIASTAR LIFE INSURANCE COMPANY | $134 | — | $134 | 5.49% |
| DULEY BOLWAR & ASSOCIATES INC4 Filed as: DULEY BOLWAR AND ASSOCIATES INC | 14805 N 73RD STREET SCOTTSDALE, AZ 85260 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $353 | — | $353 | 20.51% |
| CASSANDRA L PRINKE4 | 25825 N MOON BLOSSUM LN PHOENIX, AZ 85083 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $274 | — | $274 | 15.92% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $55 | — | $55 | 5.43% |
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 | 331 | 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) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 482 | $250K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,046 | $36K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 482 | $251K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 482 | $248K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 482 | $248K |
| Other(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 482 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,046 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.