| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | THE STANDARD INSURANCE COMPANY | $53K | $0 | $53K | 13.82% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG II STE 125 AUSTIN, TX 78746 | THE STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 1.79% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.97% |
| PHILLIP M. ERNEST & ASSOCIATES, INC4 Filed as: PHILLIP M ERNEST & ASSOCIATES INC | 3125 MARQUITA DRIVE FORT WORTH, TX 76116 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 17.76% |
| REP TELEMARKETING SERVICES INC4 | 11762 SKYLARK COURT AUBURN, CA 95602 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 7.74% |
| J KEEBS & ASSOCIATES4 | 1810 BLOSSOM CREEK LN CUMMING, GA 30040 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $342 | $0 | $342 | 2.00% |
| BLUMCIA BUSINESS SOLUTIONS4 | 3440 YOUNGFIELD ST PMB 271 WHEAT RIDGE, CO 80033 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $338 | $0 | $338 | 1.97% |
| DONNA S. KRAMER4 Filed as: DONNA S KRAMER | 4815 HOLDEN DR ROCKLIN, CA 95677 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $276 | $0 | $276 | 1.61% |
| JAMES LENCIONI4 | 25015 68TH AVE LOS MOLINOS, CA 96055 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $258 | $0 | $258 | 1.51% |
| ARISON ENTERPRISE LLP4 | 509 S 1ST STREET ATWOOD, KS 67730 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $249 | $0 | $249 | 1.45% |
| JOAN POLZIN4 | 441 W 14TH AVE SPOKANE, WA 99204 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $120 | $0 | $120 | 0.70% |
| KCA MARKETING INC DBA LEGAL BENEFIT4 Filed as: KCA MARKETING INC | PO BOX 1833 SAINT CLOUD, MN 56302 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $102 | $0 | $102 | 0.60% |
| RONALD CHAMBERS4 | 3281 PLATEAU PLACE CINCINNATI, OH 45241 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $97 | $0 | $97 | 0.57% |
| AGAR THOMAS4 | 524 LEE STREET BURLINGTON, NC 27217 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $97 | $0 | $97 | 0.57% |
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 | 491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 362 | $44K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 533 | $386K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 533 | $386K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 533 | $386K |
| Other(3 contracts, 3 carriers) | THE STANDARD INSURANCE COMPANY | 589 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.