| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | THE STANDARD LIFE INSURANCE COMPANY | $47K | $0 | $47K | 16.37% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | THE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.64% |
| GBC BENEFITS LTD3 Filed as: GBC BENEFITS, LTD | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.83% |
| PHILLIP M. ERNEST & ASSOCIATES, INC4 Filed as: PHILLIP M. ERNEST & ASSOCIATES INC. | 3125 MARQUITA DRIVE FORT WORTH, TX 76116 | PRE-PAID LEGAL SERVICES, INC. | $5K | $0 | $5K | 23.97% |
| REP TELEMARKETING SERVICES INC4 Filed as: REP TELEMARKETING SERVICES, INC. | 11762 SKYLARK COURT AUBURN, CA 95602 | PRE-PAID LEGAL SERVICES, INC. | $2K | $0 | $2K | 8.05% |
| ARISON ENTERPRISE LLP4 | 509 S 1ST STREET ATWOOD, KS 67730 | PRE-PAID LEGAL SERVICES, INC. | $551 | $0 | $551 | 2.54% |
| BLUMCIA BUSINESS SOLUTIONS4 | 3440 YOUNGFIELD ST PMB 271 WHEAT RIDGE, CO 80033 | PRE-PAID LEGAL SERVICES, INC. | $537 | $0 | $537 | 2.48% |
| J KEEBS & ASSOCIATES4 | 1950 BUFORD DAM ROAD APARTMENT 406 CUMMING, GA 30041 | PRE-PAID LEGAL SERVICES, INC. | $451 | $0 | $451 | 2.08% |
| DONNA S. KRAMER4 | 4815 HOLDEN DR ROCKLIN, CA 95677 | PRE-PAID LEGAL SERVICES, INC. | $257 | $0 | $257 | 1.19% |
| RONALD CHAMBERS4 | 3281 PLATEAU PLACE CINCINNATI, OH 45241 | PRE-PAID LEGAL SERVICES, INC. | $205 | $0 | $205 | 0.95% |
| JOAN POLZIN4 | 441 W 14TH AVENUE SPOKANE, WA 99204 | PRE-PAID LEGAL SERVICES, INC. | $190 | $0 | $190 | 0.88% |
| JAMES LENCIONI4 | 65015 68TH AVENUE LOS MOLINOS, CA 96055 | PRE-PAID LEGAL SERVICES, INC. | $155 | $0 | $155 | 0.71% |
| KCA MARKETING INC DBA LEGAL BENEFIT4 Filed as: KCA MARKETING INC. | P.O. BOX 1833 SAINT CLOUD, MN 56302 | PRE-PAID LEGAL SERVICES, INC. | $153 | $0 | $153 | 0.71% |
| AGAR THOMAS4 | 524 LEE STREET BURLINGTON, NC 27217 | PRE-PAID LEGAL SERVICES, INC. | $137 | $0 | $137 | 0.63% |
| JULIE GERSHON4 | 7 CAPOZZI CIRCLE WOBURN, MA 01801 | PRE-PAID LEGAL SERVICES, INC. | $35 | $0 | $35 | 0.16% |
| BRAD COLOVICH & ASSOC INC4 Filed as: BRAD COLOVICH & ASSOCIATES INC. | 115 N CENTER STREET MIDWAY, UT 84049 | PRE-PAID LEGAL SERVICES, INC. | $23 | $0 | $23 | 0.11% |
| GROUP AGENCY MANAGEMENT INC.3 | P.O. BOX 113 VINTON, VA 24179 | PRE-PAID LEGAL SERVICES, INC. | $21 | $0 | $21 | 0.10% |
| ROBBIN A MARTINELLLI4 Filed as: ROBBIN A. MARTINELLLI | 111 CAMBRIDGE COURT HARDY, VA 24101 | PRE-PAID LEGAL SERVICES, INC. | $17 | $0 | $17 | 0.08% |
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 | 490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 370 | $39K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY | 528 | $286K |
| Short-term disability | THE STANDARD LIFE INSURANCE COMPANY | 528 | $286K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY | 528 | $286K |
| Other(3 contracts, 3 carriers) | THE STANDARD LIFE INSURANCE COMPANY | 544 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.