| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 100485 PASADENA, CA 91189 | AETNA LIFE INSURANCE CO. | $54K | $446 | $54K | 5.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 100485 PASADENA, CA 91189 | AETNA HEALTH, INC. | $19K | $4K | $22K | 5.59% |
| STEPHEN HOFF4 | 1811 BEL AIR TER ENCINITAS, CA 92024 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 12.69% |
| DAVID J MCCLELLAN4 Filed as: DAVID E. PAPERNO | 78347 GRAPE ARBOR AVE PALM DESERT, CA 92211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $145 | — | $145 | 1.51% |
| NADIFA MOHAMED4 | 4150 MORRISONS WAY FAIRFAX, VA 22030 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $30 | — | $30 | 0.31% |
| BROOKS AND ASSOCIATES LLC4 Filed as: BROOKS & ASSOCIATES LLC | 1332 HAHN CT FORT MILL, SC 29715 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $27 | — | $27 | 0.28% |
| SALLIE HASSON4 | PO BOX 5262 SAN PEDRO, CA 90733 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $7 | — | $7 | 0.07% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 279 | $1.3M |
| Dental | AETNA LIFE INSURANCE CO. | 279 | $929K |
| Vision | AETNA LIFE INSURANCE CO. | 279 | $929K |
| Life insurance | AETNA LIFE INSURANCE CO. | 279 | $929K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 279 | $929K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 279 | $929K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 279 | $938K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.