| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $9K | $45K | 18.25% |
| CASSANDRA GREEN4 Filed as: CASSANDRA PRINKE | 25825 NORTH MOON BLOSSUM LANE PHOENIX, AZ 85083 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | $0 | $4K | 11.50% |
| ASSUREDPARTNERS4 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 6.21% |
| ODDEIT LOVEELIS4 | 7010 NW 20TH COURT SUNRISE, FL 33313 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $32 | $0 | $32 | 0.10% |
| KLOKE BUSINESS SOLUTIONS, LLC4 | 4200 SOUTHAVEN ROAD RICHMOND, VA 23235 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $24 | $0 | $24 | 0.07% |
| WILLIAM SALIN4 | 13060 WEST BLUEMOUND ROAD SUITE 112 ELM GROVE, WI 53122 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | $0 | $23 | 0.07% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: ANDY BOLWAR AND ASSOCIATES, INC. | UNKNOWN RICHMOND, VA 23237 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 399 | 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) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 371 | $123K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 319 | $17K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 399 | $246K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 399 | $246K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 399 | $246K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 399 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.