| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $106K | $27K | $133K | 10.79% |
| DIGITAL INSURANCE LLC4 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $5K | $0 | $5K | 10.30% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES, LLC. | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $371 | $0 | $371 | 0.77% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: AJ GALLAGHER SERVICE | 2850 GOLD ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | $0 | $29 | 0.06% |
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 | 868 | 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) | 868 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,247 | $494K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 799 | $88K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,099 | $1.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,099 | $1.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,099 | $1.2M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,099 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,247 | — |
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.