| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPFINANCIAL SECURITIES, LLC3 | 4208 SIX FORKS ROAD SUITE 1700 RALEIGH, NC 27609 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.06% |
| PHILLIP M. ERNEST & ASSOCIATES, INC4 | 3125 MARQUITA DRIVE FORT WORTH, TX 76116 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $8K | — | $8K | 27.97% |
| LESLIE A. KEY4 | 629 VANDENBERG STREET ALTAMONTE SPRINGS, FL 32701 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | — | $23 | 0.08% |
| HIGGINBOTHAM INS AGENCY INC4 Filed as: HIGGINBOTHAM & ASSOCIATES | P.O. BOX 908 FORT WORTH, TX 76101 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $22 | — | $22 | 0.07% |
| CURTIS J. YOUNG4 | 48 ALLISON STREET NE WASHINGTON, DC 20011 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $18 | — | $18 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE PRUDENTIAL INSURANCE CO. EIN 22-1211670 INSURANCE SERVICES | Insurance services Service code 23 | — | $64K |
| DELTA DENTAL INSURANCE CO. EIN 94-2761537 CLAIMS PROCESSING | Claims processing Service code 12 | — | $44K |
| DISCOVERY BENEFITS EIN 90-0058554 CLAIMS PROCESSING | Claims processing Service code 12 | — | $24K |
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 | 3,054 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,067 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,443 | $10.1M |
| Dental | ALPHA DENTAL PROGRAMS, INC. | 319 | $66K |
| Vision | VISION SERVICE PLAN | 1,617 | $179K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,732 | $1.2M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,732 | $875K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,732 | $875K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,086 | $937K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,086 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.