| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 1.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.38% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | UNITEDHEALTHCARE INSURANCE COMPANY | $57K | — | $57K | 50.90% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5 SAWGRASS CT. FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $5K | — | $5K | 18.80% |
| SOAR TO SUCCESS LLC4 | 28 ONEIDA ST. NEW BRITAIN, CT 06053 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $340 | — | $340 | 1.20% |
| PAT F PARKER4 | 7859 HICKORY BRANCH DR. FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $190 | — | $190 | 0.67% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5 SAWGRASS CT. FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $451 | — | $451 | 9.85% |
| SOAR TO SUCCESS LLC4 | 28 ONEIDA ST. NEW BRITAIN, CT 06053 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $57 | — | $57 | 1.25% |
| PAT F PARKER4 | 7859 HICKORY BRANCH DR. FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $20 | — | $20 | 0.44% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5 SAWGRASS CT. FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $29 | — | $29 | 6.99% |
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 | 1,159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 111 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,305 | $148K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,159 | $649K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,159 | $367K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,159 | $795K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,305 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.