| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE SERVICES | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE INC. | $0 | $9K | $9K | 1.64% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $4K | $30K | 16.51% |
| PROFESSIOINAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $933 | $14K | 7.67% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $314 | $3K | 17.95% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $105 | $1K | 5.98% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $256 | $3K | 18.39% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $832 | $96 | $928 | 6.20% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $153 | $2K | 18.76% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $461 | $66 | $527 | 6.44% |
| D'ANN DABELL4 | 1174 N 2000 E LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES, INC DBA LEGAL SHIELD | $3K | — | $3K | — |
| SOCIAL UPGRADE LLC4 | 4592 S GLENMERE WAY MERIDIAN, ID 83642 | PRE-PAID LEGAL SERVICES, INC DBA LEGAL SHIELD | $132 | — | $132 | — |
| RAYNALDO J ROYBAL4 | 5709 CLOUDCROFT RD NW ALBUQUERQUE, NM 87105 | PRE-PAID LEGAL SERVICES, INC DBA LEGAL SHIELD | $92 | — | $92 | — |
| BKA BENEFITS4 | 6717 W WAHALLA LN GLENDALE, AZ 85308 | PRE-PAID LEGAL SERVICES, INC DBA LEGAL SHIELD | $82 | — | $82 | — |
| VERONICA TICE4 | 2695 BENGAL TAN AVE N LAS VEGAS, NV 89086 | PRE-PAID LEGAL SERVICES, INC DBA LEGAL SHIELD | $59 | — | $59 | — |
| JP PROSPERITY PARTNERS LLC4 | 11536 W PRISTINEBROOK DRIVE STAR, ID 83669 | PRE-PAID LEGAL SERVICES, INC DBA LEGAL SHIELD | $49 | — | $49 | — |
| BRANDEN R SAMANIEGO4 | 31860 RUTH LANE HOMELAND, CA 92548 | PRE-PAID LEGAL SERVICES, INC DBA LEGAL SHIELD | $28 | — | $28 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROCKY MOUNTAIN HOSP & MED SVCE EIN 84-0747736 CLAIMS ADMIN | Float revenue; Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $280K |
| MCGRIFF INSURANCE SERVICES LLC | Non-monetary compensation; Other commissions; Insurance agents and brokers Service code 22 | — | $66K |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 155 | $42K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 464 | $180K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 464 | $180K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 464 | $180K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 464 | $180K |
| Stop-loss / reinsurancereinsurance | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE INC. | 351 | $529K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 464 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.