| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | THE STANDARD INSURANCE COMPANY | $69K | $0 | $69K | 12.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TX INC | 3221 COLLINSWORTH STREET FORT WORTH, TX 78107 | THE STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 2.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | THE STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 0.77% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.82% |
| 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 | 11.68% |
| REP TELEMARKETING SERVICES INC4 | 11762 SKYLARK COURT AUBURN, CA 95602 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 3.63% |
| J KEEBS & ASSOCIATES4 | 1810 BLOSSOM CREEK LN CUMMING, GA 30040 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $350 | $0 | $350 | 1.26% |
| BLUMCIA BUSINESS SOLUTIONS4 | 3440 YOUNGFIELD ST PMB 271 WHEAT RIDGE, CO 80033 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $300 | $0 | $300 | 1.08% |
| ARISON ENTERPRISE LLP4 | 509 S 1ST STREET ATWOOD, KS 67730 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $229 | $0 | $229 | 0.82% |
| DONNA S. KRAMER4 Filed as: DONNA S KRAMER | 4815 HOLDEN DR ROCKLIN, CA 95677 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $225 | $0 | $225 | 0.81% |
| JAMES LENCIONI4 | 25015 68TH AVE LOS MOLINOS, CA 96055 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $193 | $0 | $193 | 0.69% |
| BKA BENEFITS4 | 6717 W WAHALLA LN GLENDALE, AZ 85308 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $145 | $0 | $145 | 0.52% |
| JOAN POLZIN4 | 441 W 14TH AVE SPOKANE, WA 99204 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $110 | $0 | $110 | 0.40% |
| KCA MARKETING INC DBA LEGAL BENEFIT4 | PO BOX 1702 MAPLE GROVE, MN 55311 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $93 | $0 | $93 | 0.33% |
| AGAR THOMAS4 Filed as: AGAR THOMAS AND ASSOCIATES LLC | 524 LEE STREET BURLINGTON, NC 27217 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $89 | $0 | $89 | 0.32% |
| INTERNATIONAL CHAMBERS GROUP INC4 | 4211 PEPPERMILL LN BLUE ASH, OH 45242 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $89 | $0 | $89 | 0.32% |
| REY MCCALLUM4 | PO BOX 595 ELMA, WA 98541 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $74 | $0 | $74 | 0.27% |
| BOB READ4 | 1123 PALACE PL LAKELAND, FL 33813 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | $0 | $21 | 0.08% |
| BRAD COLOVICH & ASSOC INC4 | 115 N CENTER ST MIDWAY, UT 84049 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | $0 | $21 | 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 | 501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 389 | $48K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 553 | $534K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 553 | $534K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 553 | $534K |
| Other(2 contracts, 2 carriers) | THE STANDARD INSURANCE COMPANY | 553 | $562K |
| 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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.