| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TX INC | 10000 NORTH CENTRAL EXPRESSWAY SUITE 1200 DALLAS, TX 75231 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $65K | $0 | $65K | 15.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $110 | $110 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.67% |
| 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 | 12.65% |
| REP TELEMARKETING SERVICES INC4 | 11762 SKYLARK COURT AUBURN, CA 95602 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 3.85% |
| BLUMCIA BUSINESS SOLUTIONS4 | 3440 YOUNGFIELD ST PMB 271 WHEAT RIDGE, CO 80033 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $327 | $0 | $327 | 1.24% |
| J KEEBS & ASSOCIATES4 | 1810 BLOSSOM CREEK LN CUMMING, GA 30040 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $291 | $0 | $291 | 1.10% |
| ARISON ENTERPRISE LLP4 | 509 S 1ST STREET ATWOOD, KS 67730 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $249 | $0 | $249 | 0.94% |
| DONNA S. KRAMER4 Filed as: DONNA S KRAMER | 4815 HOLDEN DR ROCKLIN, CA 95677 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $245 | $0 | $245 | 0.93% |
| JAMES LENCIONI4 | 25015 68TH AVE LOS MOLINOS, CA 96055 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $167 | $0 | $167 | 0.63% |
| KCA MARKETING INC DBA LEGAL BENEFIT4 | PO BOX 1702 MAPLE GROVE, MN 55311 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $102 | $0 | $102 | 0.39% |
| AGAR THOMAS4 Filed as: AGAR THOMAS AND ASSOCIATES LLC | 524 LEE STREET BURLINGTON, NC 27217 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $97 | $0 | $97 | 0.37% |
| INTERNATIONAL CHAMBERS GROUP INC4 | 4211 PEPPERMILL LN BLUE ASH, OH 45242 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $97 | $0 | $97 | 0.37% |
| JOAN POLZIN4 | 441 W 14TH AVE SPOKANE, WA 99204 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $65 | $0 | $65 | 0.25% |
| BOB READ4 | 1123 PALACE PL LAKELAND, FL 33813 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | $0 | $23 | 0.09% |
| BRAD COLOVICH & ASSOC INC4 | 115 N CENTER ST MIDWAY, UT 84049 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | $0 | $23 | 0.09% |
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 | 559 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 442 | $53K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 642 | $435K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 642 | $435K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 642 | $435K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 642 | $461K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.