| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | $0 | $551 | $551 | 0.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $2K | $21K | 10.54% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $1K | $21K | 10.40% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $348 | $20K | 10.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.51% |
| LOCKTON COMPANIES, LLC4 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 6.20% |
| 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 | $1K | $0 | $1K | 4.97% |
| TOMAS M. DIEBOLD4 | 2517 SE CARPENTER STREET PORT ST. LUCIE, FL 34984 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 3.89% |
| EMILY J. DIEBOLD4 | 2517 SE CARPENTER STREET PORT ST. LUCIE, FL 34984 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $430 | $0 | $430 | 1.67% |
| NEW BIZ LLC4 Filed as: NEW BIZ, LLC | 4102 COLUMNS DRIVE SE MARIETTA, GA 30067 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $161 | $0 | $161 | 0.63% |
| THOMPSON SUCCESS PARTNERS, INC.4 | 2776 GEARY STREET MATLACHA, FL 33993 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $97 | $0 | $97 | 0.38% |
| ALISTAIR EDWARDS4 | 723 OAK MOUNTAIN ROAD NW KENNESAW, GA 30152 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $60 | $0 | $60 | 0.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA, INC. NONE | Direct payment from the plan; Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $663K |
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 | 3,091 | 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) | 3,091 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,268 | $201K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,091 | $621K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,091 | $621K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 3,091 | $867K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,091 | — |
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.