| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $986 | $20K | 10.77% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $668 | $20K | 10.57% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD FIRE INSURANCE COMPANY | $4K | $0 | $4K | 20.00% |
| BARRY OLFERN AND ASSOC. INC4 Filed as: BARRY OLFERN AND ASSOCIATES, INC. | 954 TYLER STREET HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $663 | $0 | $663 | 5.39% |
| TOMAS M. DIEBOLD4 | 2517 SE CARPENTER STREET PORT SAINT LUCIE, FL 34984 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $517 | $0 | $517 | 4.20% |
| EMILY J. DIEBOLD4 | 2517 SE CARPENTER STREET PORT SAINT LUCIE, FL 34984 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $221 | $0 | $221 | 1.80% |
| NEW BIZ LLC4 Filed as: NEW BIZ, LLC | 4102 COLUMNS DRIVE SE MARIETTA, GA 30067 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $199 | $0 | $199 | 1.62% |
| THOMPSON SUCCESS PARTNERS, INC.4 | 2776 GEARY STREET MATLACHA, FL 33993 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $122 | $0 | $122 | 0.99% |
| ALISTAIR EDWARDS4 | 723 OAK MOUNTAIN ROAD NW KENNESAW, GA 30152 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $74 | $0 | $74 | 0.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA, INC. NONE | Direct payment from the plan; Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $457K |
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 | 415 | 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) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 975 | $188K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 415 | $89K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 415 | $89K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 975 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 975 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.