| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $507K | $73K | $581K | 4.97% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $101K | $8K | $109K | 7.37% |
| RICH COHEN4 | 3179 KINSROW AVENUE, APARTMENT 238 EUGENE, OR 97401 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $130 | — | $130 | 2.82% |
| DBE ASSOCIATES, INC.4 | 762 EAST HISTORIC COLUMBIA ROAD TROUTDALE, OR 97060 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $115 | $0 | $115 | 2.49% |
| DONALD EMETT4 | 762 EAST HISTORIC COLUMBIA ROAD TROUTDALE, OR 97060 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $110 | $0 | $110 | 2.38% |
| ASSUREDPARTNERS4 Filed as: MICKEY E. SHEPHERD | 17 CARDINAL LANE DUNDALK, MD 21221 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $97 | — | $97 | 2.10% |
| MARIA SCHWARTZ4 | 312 VIA PROMESA SAN CLEMENTE, CA 92673 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $33 | $0 | $33 | 0.72% |
| CHELSEA ADDISON4 | PO BOX 1405 SPRING VALLEY, CA 91979 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $33 | $0 | $33 | 0.72% |
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 | 944 | 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) | 944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,043 | $11.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,043 | $11.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,043 | $11.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 944 | $1.5M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 944 | $1.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 944 | $1.5M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,043 | $11.7M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 944 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,043 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.