| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 | PO BOX 2940 TACOMA, WA 98401 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $74K | $87K | 3.63% |
| JENNINGS INSURANCE SERVICES3 | 618 E SOUTH STREET ORLANDO, WA 32801 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 11.33% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 10.71% |
| GCG FINANCIAL LLC3 Filed as: ALERA | UNKNOWN CHICAGO, IL 60612 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $12K | $12K | 3.39% |
| PREPARE BENEFITS, LLC3 | 10524 MOSS PARK ROAD, SUITE 204-306 ORLANDO, FL 32832 | BANKERS FIDELITY LIFE INSURANCE COMPANY - ALTLANTIC AMERICAN | $4K | — | $4K | 65.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES, INC. | 1900 N. WINSTON ROAD KNOXVILLE, TN 37919 | BANKERS FIDELITY LIFE INSURANCE COMPANY - ALTLANTIC AMERICAN | $2K | — | $2K | 26.18% |
| PROPEL INSURANCE AGENCY LLC4 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $695 | $0 | $695 | 18.25% |
| CROUSE COMPANY LLC4 | 601 REDLEAF RIDGE CIRCLE NASHVILLE, TN 37211 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $521 | — | $521 | 13.68% |
| CAP STEWART4 | 5701 WALDEN WOODS COURT KNOXVILLE, TN 37921 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $328 | $0 | $328 | 8.61% |
| KELLEY J RHEAULT4 Filed as: KELLEY RHEAULT | 155 CONCHA DRIVE SEBASTIAN, FL 32958 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | $0 | $23 | 0.60% |
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 | 513 | 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) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 482 | $2.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 482 | $2.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 482 | $2.4M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 513 | $355K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 513 | $355K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 513 | $355K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 482 | $2.4M |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 513 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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.