| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 10.84% |
| STRATEGIC NON-MEDICAL SLTNS LLC3 Filed as: STRATEGIC SOLUTIONS, LLC | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INSURANCE SVCS | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.06% |
| CAP STEWART4 | 5701 WALDEN WOODS COURT KNOXVILLE, TN 37921 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $923 | $0 | $923 | 13.52% |
| BROWN & BROWN INSURANCE SERVICES4 Filed as: BROWN AND BROWN INSURANCE SVCS | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $652 | — | $652 | 9.55% |
| ACRISURE LLC4 Filed as: ACRISURE PARTNERS WEST COAST SVCS | 3 POLARIS WAY 4TH FLOOR ALISO VIEJO, CA 92656 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $126 | — | $126 | 1.85% |
| LYNDA BLANKENSHIP4 Filed as: LYNDA N. BLANKENSHIP | 1907 WASHINGTON AVENUE KNOXVILLE, TN 37917 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $112 | $0 | $112 | 1.64% |
| CROUSE COMPANY LLC4 Filed as: CROUSE COMPANY, LLC | 601 REDLEAF RIDGE CIRCLE NASHVILLE, TN 37211 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $103 | $0 | $103 | 1.51% |
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 | 299 | 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) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 25 | $211K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $212K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $212K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $172K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $172K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $172K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 25 | $211K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.