| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | THE STANDARD INSURANCE COMPANY | $44K | $0 | $44K | 10.99% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG II STE 125 AUSTIN, TX 78746 | THE STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 2.06% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.85% |
| 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 | $8K | $0 | $8K | 25.40% |
| REP TELEMARKETING SERVICES INC4 | 11762 SKYLARK COURT AUBURN, CA 95602 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 3.54% |
| J KEEBS & ASSOCIATES4 | 1810 BLOSSOM CREEK LN CUMMING, GA 30040 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $862 | $0 | $862 | 2.67% |
| JAMES LENCIONI4 | 25015 68TH AVE LOS MOLINOS, CA 96055 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $791 | $0 | $791 | 2.45% |
| BKA BENEFITS4 | 6717 W WAHALLA LN GLENDALE, AZ 85308 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $649 | $0 | $649 | 2.01% |
| BLUMCIA BUSINESS SOLUTIONS4 | 3440 YOUNGFIELD ST PMB 271 WHEAT RIDGE, CO 80033 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $327 | $0 | $327 | 1.01% |
| DONNA S. KRAMER4 Filed as: DONNA S KRAMER | 4815 HOLDEN DR ROCKLIN, CA 95677 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $253 | $0 | $253 | 0.78% |
| ARISON ENTERPRISE LLP4 | 509 S 1ST STREET ATWOOD, KS 67730 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $249 | $0 | $249 | 0.77% |
| BOB READ4 | 1123 PALACE PL LAKELAND, FL 33813 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $129 | $0 | $129 | 0.40% |
| JOAN POLZIN4 | 441 W 14TH AVE SPOKANE, WA 99204 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $120 | $0 | $120 | 0.37% |
| KCA MARKETING INC DBA LEGAL BENEFIT4 Filed as: KCA MARKETING INC | PO BOX 1702 MAPLE GROVE, MN 55311 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $102 | $0 | $102 | 0.32% |
| AGAR THOMAS4 | 524 LEE STREET BURLINGTON, NC 27217 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $97 | $0 | $97 | 0.30% |
| INTERNATIONAL CHAMBERS GROUP INC4 | 4211 PEPPERMILL LN BLUE ASH, OH 45242 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $97 | $0 | $97 | 0.30% |
| ANN M GIEBLER4 Filed as: ANN GIEBLER | 9806 S 176TH ST OMAHA, NE 68136 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $82 | $0 | $82 | 0.25% |
| JOSE A SUAREZ4 | UNIT 2 3912 HOLLIS ST HALTOM, TX 76111 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $54 | $0 | $54 | 0.17% |
| MICHAEL SCHECHTER4 | 158 FOUR BROOKS RD STAMFORD, CT 06903 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $52 | $0 | $52 | 0.16% |
| REY MCCALLUM4 | PO BOX 595 ELMA, WA 98541 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $41 | $0 | $41 | 0.13% |
| BRAD COLOVICH & ASSOC INC4 | 115 N CENTER ST MIDWAY, UT 84049 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | $0 | $23 | 0.07% |
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 | 508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 377 | $47K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 553 | $402K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 553 | $402K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 553 | $402K |
| Other(2 contracts, 2 carriers) | THE STANDARD INSURANCE COMPANY | 553 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.