| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $169K | $58K | $227K | 6.32% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M MCCULLUGH | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 0.92% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | VISION SERVICE PLAN | $78K | — | $78K | 10.00% |
| VIDAL & RODRIGUEZ3 Filed as: VIDAL AND RODRIGUEZ | UNKNOWN SAN ANTONIO, TX 78256 | TRIPLE S SALUD, INC. | $10K | — | $10K | 5.00% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE MCCULLUGH | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | JOHN HANCOCK LIFE INSURANCE COMPANY | $14K | — | $14K | 7.50% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123103 DALLAS, TX 75312 | JOHN HANCOCK LIFE INSURANCE COMPANY | $5K | — | $5K | 2.50% |
| LOCKTON COMPANIES, LLC4 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $14K | — | $14K | 12.19% |
| HEALTH AND BENEFIT SYSTEMS, INC.4 | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $13K | — | $13K | 11.67% |
| AMBERLEY PARK ASSOCIATES INC.4 Filed as: AMBERLEY PRK ASSOC. INC. | 3605 SANDY PLAINS ROAD MARIETTA, GA 30066 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 1.45% |
| MJ INSURANCE4 Filed as: CHRIS SORENSEN AND VARIOUS AGENTS | 655 WEST FULTON STREET SANFORD, FL 32771 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 1.37% |
| CHRIS T. BOAZ4 Filed as: CHRIS T BOAZ | 12103 SW 125TH AVENUE TIGARD, OR 97223 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $382 | — | $382 | 0.33% |
| AGAR THOMAS4 | 524 LEE STREET BURLINGTON, NC 27217 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $282 | — | $282 | 0.25% |
| HIGH POINT ALLIANCE4 | 1119 EAST BIRCHBROOK CIRCLE COTTONWOOD HEIGHTS, UT 84047 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $259 | — | $259 | 0.23% |
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 | 6,079 | 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) | 6,079 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC. | 34 | $206K |
| Vision | VISION SERVICE PLAN | 5,391 | $779K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15,842 | $3.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15,842 | $3.6M |
| Prescription drug | TRIPLE S SALUD, INC. | 34 | $206K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15,842 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,842 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.