| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 | PO BOX 2940 TACOMA, WA 98401 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $90K | $90K | 3.01% |
| JENNINGS INSURANCE SERVICES3 | 618 EAST SOUTH STREET ORLANDO, FL 32801 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $67K | $0 | $67K | 16.44% |
| PROPEL INSURANCE AGENCY LLC3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56K | $0 | $56K | 13.69% |
| CROUSE COMPANY LLC4 | 601 REDLEAF RIDGE CIRCLE NASHVILLE, TN 37211 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $415 | $0 | $415 | 9.77% |
| CAP STEWART4 | 5701 WALDEN WOODS COURT NACHVILLE, TN 37921 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $220 | $0 | $220 | 5.18% |
| KELLEY J RHEAULT4 Filed as: KELLEY RHEAULT | 155 CONCHA DRIVE SEBASTIAN, FL 32958 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $180 | $0 | $180 | 4.24% |
| PROPEL INSURANCE AGENCY LLC4 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $125 | $0 | $125 | 2.94% |
| IDENTITY THEFT CONSULTANTS LLC4 | 20480 166TH STREET NW BIG LAKE, MN 55309 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $30 | $0 | $30 | 0.71% |
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 | 678 | 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) | 678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 363 | $3.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 678 | $409K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 678 | $409K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 678 | $409K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 678 | $409K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 678 | $409K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 363 | $3.0M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 678 | $413K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 678 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.