| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEPARD & WALTON LIFE INSURANCE3 | 8217 SHOAL CREEK BLVD SUITE 108 AUSTIN, TX 78757 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | — | $42K | 7.02% |
| SHEPARD & WALTON LIFE INS AGENCY3 Filed as: SHEPARD & WALTON LIFE INS AGENCY IN | 3108 NORTH LAMAR SUITE 201 AUSTIN, TX 78705 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 8.26% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.12% |
| SHEPARD & WALTON LIFE INSURANCE3 | 8217 SHOAL CREEK BOULEVARD SUITE 108 AUSTIN, TX 78757 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.06% |
| SHEPARD & WALTON LIFE INS AGENCY3 Filed as: SHEPARD AND WALTON LIFE INS AGENCY | 1906 EAST TYLER AVENUE SUITE B HARLINGEN, TX 78550 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 23.09% |
| IBRAHIM ABDELHADI3 Filed as: IBRAHIM B ABDELHADI | 3600 GREYSTONE DRIVE APARTMENT 716 AUSTIN, TX 78731 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 22.74% |
| INTERMDIARY SOLUTIONS COMPANY3 | 1110 COGBURN COURT SHADY SHORES, TX 76208 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $354 | — | $354 | 6.47% |
| WILLIAM A WITTWER3 | 818 CRESTLAND DRIVE BARTLESVILLE, OK 74006 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $38 | — | $38 | 0.69% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $125K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $125K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 114 | $146K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 114 | $146K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 114 | $146K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $595K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 114 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.