| 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 | 2.84% |
| JENNINGS INSURANCE SERVICES3 | 618 EAST SOUTH STREET ORLANDO, FL 32801 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50K | $0 | $50K | 11.91% |
| PROPEL INSURANCE AGENCY LLC3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50K | $0 | $50K | 11.89% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | UNKNOWN CHICAGO, IL 60612 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $14K | $14K | 3.41% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS LLC | 10524 MOSS PARK ROAD, SUITE 204-306 ORLANDO, FL 32832 | BANKERS FIDELITY LIFE INSURANCE COMPANY - ALTLANTIC AMERICAN | $20K | $0 | $20K | 63.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | 1900 NORTH WINSTON ROAD KNOXVILLE, TN 37919 | BANKERS FIDELITY LIFE INSURANCE COMPANY - ALTLANTIC AMERICAN | $8K | $0 | $8K | 25.26% |
| PROPEL INSURANCE AGENCY LLC4 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $354 | $0 | $354 | 13.15% |
| CROUSE COMPANY LLC4 | 601 REDLEAF RIDGE CIRCLE NASHVILLE, TN 37211 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $297 | $0 | $297 | 11.04% |
| CAP STEWART4 | 5701 WALDEN WOODS COURT KNOXVILLE, TN 37921 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $180 | $0 | $180 | 6.69% |
| KELLEY J RHEAULT4 Filed as: KELLEY RHEAULT | 155 CONCHA DRIVE SEBASTIAN, FL 32958 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | $0 | $29 | 1.08% |
| IDENTITY THEFT CONSULTANTS LLC4 Filed as: IDENTITY THEFT CONSULTANTS | 20480 166TH STREET NW BIG LAKE, MN 55309 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $28 | $0 | $28 | 1.04% |
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 | 727 | 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) | 727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 439 | $3.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 727 | $419K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 727 | $419K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 727 | $419K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 727 | $419K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 727 | $419K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 439 | $3.2M |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 727 | $453K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 727 | — |
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.