| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 257 EAST 200 SOUTH, SUITE 700 SALT LAKE CITY, UT 84111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 2.78% |
| ARDENA L MCVICKER3 Filed as: ARDENA L. MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $824 | $22 | $846 | 4.45% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $302 | $0 | $302 | 1.59% |
| CATHY GOOD3 | 545 TOM SAYWER ROAD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $162 | $0 | $162 | 0.85% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $120 | $2 | $122 | 0.64% |
| SA GENERAL AGENCY AND OTHER AGENTS3 Filed as: SA GENERAL AGENCY AND VARIOUS AGENT | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.25% |
| LAWRENCE PRICHARD3 | 650 SKAGGS LANE HILLSBOROUGH, KY 41049 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.22% |
| CASEY H EBBERT3 Filed as: CASEY H. EBBERT | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.16% |
| PAT F PARKER4 Filed as: PAT F. PARKER | 5 SAWGRASS COURT FRISCO, TX 75034 | PRE-PAID SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 11.97% |
| DAVID SPANGLER JR.4 | 31 MARIE DRIVE QUARRYVILLE, PA 17566 | PRE-PAID SERVICES, INC. DBA LEGALSHIELD | $409 | $0 | $409 | 3.14% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5 SAWGRASS COURT FRISCO, TX 75034 | PRE-PAID SERVICES, INC. DBA LEGALSHIELD | $224 | $0 | $224 | 1.72% |
| HAYS COMPANIES, INC.3 | 7570 WEST 21ST STREET NORTH WICHITA, KS 67205 | PRE-PAID SERVICES, INC. DBA LEGALSHIELD | $149 | $0 | $149 | 1.15% |
| MIKE PARKER4 | 5 SAWGRASS COURT FRISCO, TX 75034 | PRE-PAID SERVICES, INC. DBA LEGALSHIELD | $104 | $0 | $104 | 0.80% |
| LANCE CLEMENS4 Filed as: LANCE A. CLEMENS | 2128 APPLE VALLEY ROAD PLANO, TX 75023 | PRE-PAID SERVICES, INC. DBA LEGALSHIELD | $37 | $0 | $37 | 0.28% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFITS SERVICES, INC | PO BOX 95287 CHICAGO, IL 60694 | PRE-PAID SERVICES, INC. DBA LEGALSHIELD | $25 | $0 | $25 | 0.19% |
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 | 205 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $218K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $218K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $237K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $237K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $218K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.