| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | 1305 WEST 23RD STREET PHOENIX, AZ 85072 | AETNA LIFE INSURANCE COMPANY | $21K | — | $21K | 5.08% |
| WELLS FARGO INSURANCE SERVICES3 | 2030 MAIN STREET, SUITE 700 IRVINE, CA 92614 | AETNA LIFE INSURANCE COMPANY | — | $46 | $46 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 100 WEST WASHINGTON, 4TH FLOOR PHOENIX, AZ 85003 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.11% |
| LARRY SMITH ENTERPRISES INC.4 Filed as: LARRY SMITH ENTERPRISES, INC. | 20280 NORTH 59TH AVENUE SUITE 115446 GLENDAL, AZ 85308 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $3K | — | $3K | 19.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 100 WEST WASHINGTON STREET 4TH FLOOR PHOENIX, AZ 85003 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $1K | — | $1K | 6.67% |
| KENYATTA T. TURNER4 | PO BOX 36812 PHOENIX, AZ 85067 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $124 | — | $124 | 0.80% |
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 | 1,721 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 142 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,864 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 133 | $31K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,220 | $104K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 2,383 | $421K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 2,383 | $421K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 2,383 | $421K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 2,383 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,383 | — |
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.