| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - BOUCHARD | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $109K | $109K | 5.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | STANDARD INSURANCE COMPANY | $49K | — | $49K | 21.77% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 4.61% |
| MARY THERESA FISHER4 | 898 UNION CHURCH ROAD TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $307 | — | $307 | 11.40% |
| CORPORATE SYNERGIES GROUP LLC4 Filed as: CORPORATE SYNERGIES GROUP | 5000 DEARBORN CIRCLE STE 100 MOUNT LAUREL, NJ 08054 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $130 | — | $130 | 4.83% |
| MARSH & MCLENNAN AGENCY LLC4 | 9850 NW 41ST STREET SUITE 100 DORAL, FL 33178 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $81 | — | $81 | 3.01% |
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 | 272 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 288 | $2.1M |
| Dental | STANDARD INSURANCE COMPANY | 272 | $224K |
| Vision | STANDARD INSURANCE COMPANY | 272 | $224K |
| Life insurance | STANDARD INSURANCE COMPANY | 272 | $224K |
| Long-term disability | STANDARD INSURANCE COMPANY | 272 | $224K |
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 14 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.