| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 2807 CLINTON, IA 52733 | AMERITAS LIFE INSURANCE CORPORATION | $58K | $0 | $58K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 21ST FLOOR ROLLING MEADOWS, IL 60008 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $15K | $15K | 1.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $56K | $19K | $75K | 13.50% |
| THE AGURS GROUP INC.3 | 5721 FRENCH LACE COURT NORTH LAS VEGAS, NV 89081 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | $0 | $4K | 11.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 5.49% |
| UNIQUE BENEFITS GROUP INC3 Filed as: UNIQUE BENEFITS GROUP INC. | 7 CAPOZZI CIRCLE WOBURN, MA 01801 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $554 | $0 | $554 | 1.66% |
| JILLETTA RILEY3 | 16 STERN PLACE FORDS, NJ 08863 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $67 | $0 | $67 | 0.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RISK BROWN AND ASSOCIATES | 5046D SW BAY SHORE DRIVE SUTTONS BAY, MI 49682 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | $0 | $29 | 0.09% |
| RHONA S UNSELL INC3 Filed as: RHONA S. UNSELL INC. | 6525 GUNPARK DRIVE, SUITE 370-152 BOULDER, CO 80301 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | $0 | $23 | 0.07% |
| LAWTON BENEFITS GROUP LLC3 | 526 164TH AVENUE SOMERSET, WI 54025 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | $0 | $21 | 0.06% |
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 | 1,206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 2,222 | $1.2M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 2,222 | $1.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,208 | $556K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,208 | $556K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,208 | $556K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,822 | $621K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,822 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.