| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC-BOUCHARD | 485 N KELLER RD STE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $38K | $14K | $52K | 20.55% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 2.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DR CLEARWATER, FL 33765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $5K | $22K | 12.78% |
| BARRY OLFERN AND ASSOC. INC4 | 954 TYLER ST HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $394 | — | $394 | 6.37% |
| ROGER BOUCHARD INSURANCE INC4 | 101 STARCREST DR CLEARWATER, FL 33765 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $203 | — | $203 | 3.28% |
| INDEPENDENT AGENT RECRUITER LLC4 Filed as: INDEPENDENT AGENT RECRUITERS LLC | STE 4 ROOM 641 7750 OKEECHOBEE BLVD WEST PALM BEACH, FL 33411 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $117 | — | $117 | 1.89% |
| CHERYLE P DAVIS DARRELL4 | 915 OMAR RD WEST PALM BEACH, FL 33405 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $32 | — | $32 | 0.52% |
| CARMEN BERNARD4 | APT 305 4820 LUCERNE LAKES BLVD W LAKEWORTH, FL 33467 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $29 | — | $29 | 0.47% |
| AKA SOLUTIONS INC4 | 155 CONCHA DR SEBASTIAN, FL 32958 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $21 | — | $21 | 0.34% |
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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 312 | $174K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 312 | $174K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $251K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $251K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $251K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.