| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 6304 BENJAMIN ROAD, SUITE 503 TAMPA, FL 33634 | HARTFORD LIFE AND ACCIDENT | $419K | $0 | $419K | 9.96% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $116K | $116K | 2.77% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 SOUTH MANASQUAN, NJ 08736 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45K | $0 | $45K | 2.80% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $6K | $27K | 1.63% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN | $12K | $0 | $12K | 4.59% |
| LOCKTON COMPANIES, LLC4 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $27K | $0 | $27K | 19.93% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5 SAWGRASS COURT FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $5K | $0 | $5K | 3.52% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: CECIL MARK BROWN | 505 WEST SIMMONS STREET WEATHERFORD, TX 76086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $726 | $0 | $726 | 0.54% |
| PAT F PARKER4 Filed as: PAT F. PARKER | 7859 HICKORY BRANCH DRIVE FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $726 | $0 | $726 | 0.54% |
| NEW BIZ LLC4 Filed as: NEW BIZ, LLC | 4102 COLUMNS DRIVE SE MARIETTA, GA 30067 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $242 | $0 | $242 | 0.18% |
| RULE YOUR KINGDOM LP4 | 900 WASHINGTON AVENUE, SUITE 601 WACO, TX 76701 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $242 | $0 | $242 | 0.18% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | HARTFORD LIFE AND ACCIDENT | $10K | $1K | $11K | 11.39% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | HARTFORD LIFE AND ACCIDENT | $4K | $589 | $5K | 11.46% |
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 | 5,607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,671 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,391 | $1.6M |
| Vision | VISION SERVICE PLAN | 2,131 | $268K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 6,140 | $4.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 6,140 | $4.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 6,140 | $4.2M |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 6,140 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,140 | — |
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.