| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | BLUE CROSS OF CALIFORNIA | — | $270K | $270K | 2.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | HARTFORD LIFE AND ACCIDENT | — | $24K | $24K | 6.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.34% |
| JOHN N. BUFKIN4 | 1607 WRENWOOD WAY MOUNT JULIET, TN 37122 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $531 | — | $531 | 2.81% |
| ALLIANT INSURANCE SERVICES, INC.4 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $500 | — | $500 | 2.64% |
| GROUP AGENCY MANAGEMENT INC.4 | P.O. BOX 113 VINTON, VA 24179 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $288 | — | $288 | 1.52% |
| SMART SOLUTIONS LLC4 | 204 HODDER LANE HIGHLAND SPRINGS, VA 23075 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $123 | — | $123 | 0.65% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNEN AGENCY LLC | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $27 | — | $27 | 0.14% |
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 | 1,477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,173 | $13.6M |
| Vision | VISION SERVICE PLAN | 1,085 | $235K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,567 | $350K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,567 | $350K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 1,173 | $13.5M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,567 | $419K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,567 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.