| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 2040 MAIN ST STE 450 IRVINE, CA 926148274 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 14.77% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 1 INTEGRITY PKWY CLEVELAND, OH 44143 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 4.92% |
| CURTIS A WRIGHT3 | 4480-H SOUTH COBB DRIVE #212 SMYRNA, GA 30080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $253 | — | $253 | 4.11% |
| GLORIA ERVIN3 | 78 BRISBANE DRIVE ACWORTH, GA 30101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | — | $89 | 1.45% |
| MCCARTY INSURANCE INC3 Filed as: MCCARTY AGENCY INC | 3081 HOLCOMB BRIDGE RD STE C1 NORCROSS, GA 30071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.49% |
| CHRISTOPHER W HOFF3 Filed as: CHRISTOPHER T O'CONNELL | 535 ESTATE CLUB CIRCLE ROSWELL, GA 300755558 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.10% |
| SHARON A LARRY4 | 9220 WATERFORD LN POWDER SPRINGS, GA 30127 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $322 | — | $322 | 69.40% |
| RSC INSURANCE BROKERAGE INC4 | OFC 160 FEDERAL ST BOSTON, MA 02110 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $142 | — | $142 | 30.60% |
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 | 95 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 95 | $114K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 95 | $114K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 95 | $114K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 16 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.