| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $71K | $74K | 3.32% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 820 N. ORLEANS #325 CHICAGO, IL 60610 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $64K | $0 | $64K | 2.85% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $34K | $0 | $34K | 4.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 4.60% |
| MARSH & MCLENNAN AGENCY LLC4 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $6K | $0 | $6K | 6.48% |
| PAMELA HOOD4 | 12620 HAW BRANCH LANE AMELIA COURT HOUSE, VA 23002 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | $0 | $4K | 5.00% |
| ALAN ROMAN4 | 7220 PRINCETON AVE ST. LOUIS, MO 63130 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 1.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 HAMILTON AVE, STE 930 WHITE PLAINS, NY 10601 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $216 | $0 | $216 | 0.25% |
| PEAK PERFORMANCE GROUP LLC3 | 7501 BOULDER VIEW DR, STE. 220 NORTH CHESTERFIELD, VA 23225 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $98 | $0 | $98 | 0.11% |
| DAVE HALL INC4 Filed as: DAVE HALL INC. | 9748 N. CANTERBURY PARK CI HIGHLAND, UT 84003 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $83 | $0 | $83 | 0.10% |
| PHYLLIS ADAMS4 | 210 TYRONE RD. BALTIMORE, MD 21212 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $25 | $0 | $25 | 0.03% |
| EMPLOYEE BENEFIT SVCS OF MARYLAND3 | 575 S CHARLES ST, STE 300 BALTIMORE, MD 21201 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $24 | $0 | $24 | 0.03% |
| REBECCA J SMITH INC3 | 2557 MICHAELSON WAY JACKSONVILLE, FL 32223 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | $0 | $21 | 0.02% |
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 | 1,956 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,010 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 110 | $855K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,830 | $2.2M |
| Vision | VISION SERVICE PLAN | 1,693 | $200K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,969 | $749K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,969 | $371K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,969 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,969 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.