| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 PO BOX 4328 TORRANCE, CA 90501 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $620 | $5K | 19.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 17.50% |
| STEVE BAKER4 | 153 ESTHER DR COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $320 | — | $320 | 7.62% |
| ELEVATION ECONOMICS LLC4 | 11 SHERRINGTON DR ORMOND BEACH, FL 32174 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $191 | — | $191 | 4.55% |
| MARK MCDONALD4 | 1685 ORO VISTA RD APT 173 SAN DIEGO, CA 92154 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $125 | — | $125 | 2.98% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $39 | — | $39 | 0.93% |
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 | 360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $29K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 19 | $20K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.