| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $2K | $21K | 9.43% |
| PROFESSIOINAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $870 | $10K | 4.58% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $156 | $2K | 13.39% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $635 | $712 | $1K | 8.75% |
| D'ANN DABELL4 | 1174 N 2000 E LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES, INC DBA LEGAL SHIELD | $4K | — | $4K | 23.01% |
| SOCIAL UPGRADE LLC4 | 4592 S GLENMERE WAY MERIDIAN, ID 83642 | PRE-PAID LEGAL SERVICES, INC DBA LEGAL SHIELD | $220 | — | $220 | 1.44% |
| DARLA G. KLOVSKI4 Filed as: DARLA G KLOVSKI | 2011 E ELOIKA LAKE RD DEER PARK, WA 99006 | PRE-PAID LEGAL SERVICES, INC DBA LEGAL SHIELD | $201 | — | $201 | 1.31% |
| VERONICA TICE4 | 2695 BENGAL TAN AVE N LAS VEGAS, NV 89086 | PRE-PAID LEGAL SERVICES, INC DBA LEGAL SHIELD | $59 | — | $59 | 0.39% |
| JP PROSPERITY PARTNERS LLC4 | 11536 W PRISTINEBROOK DRIVE STAR, ID 83669 | PRE-PAID LEGAL SERVICES, INC DBA LEGAL SHIELD | $49 | — | $49 | 0.32% |
| BRANDEN R SAMANIEGO4 | 31860 RUTH LANE HOMELAND, CA 92548 | PRE-PAID LEGAL SERVICES, INC DBA LEGAL SHIELD | $28 | — | $28 | 0.18% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $149 | $2K | 13.64% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $473 | $519 | $992 | 8.63% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $822 | $99 | $921 | 14.16% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $274 | $534 | $808 | 12.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROCKY MOUNTAIN HOSP & MED SVCE EIN 84-0747736 CLAIMS ADMIN | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing Service code 12 | — | $246K |
| MCGRIFF INSURANCE SERVICES LLC | Other commissions; Insurance agents and brokers; Non-monetary compensation Service code 22 | — | $69K |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 133 | $33K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 391 | $218K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 391 | $218K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 391 | $218K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 391 | $218K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 391 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.