| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICAEDIA LLC3 | 116 VILLAGE BLVD. - SUITE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $272K | $18K | $289K | 15.97% |
| RICAEDIA LLC3 | 116 VILLAGE BLVD. - SUITE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73K | $7K | $80K | 16.55% |
| RICAEDIA LLC3 | 116 VILLAGE BLVD - SUITE 200 PRINCETON, NJ 08540 | PRUDENTIAL INSURANCE CO OF AMERICA | $29 | — | $29 | 0.01% |
| RICAEDIA LLC4 Filed as: RICAEDIA, LLC | 116 VILLAGE BLVD-SUITE 200 PRINCETON, NJ 08540 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $19K | — | $19K | 11.78% |
| MARGARET JOHNSTON4 | 2755 VIA CAPRI-UNIT 1235 CLEARWATER, FL 33764 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 0.79% |
| RESOURCE SEVEN4 Filed as: RESOURCE SEVEN INC. | 500 LANIER AVE. W-SUITE 203 FAYETTEVILLE, GA 30214 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $86 | — | $86 | 0.05% |
| GAYLE WARREN4 | 1166 MINNESOTA AVE. COLUMBUS, OH 43211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $40 | — | $40 | 0.03% |
| JAN TINDER ENTERPRISES INC4 Filed as: JAN TINDER ENTERPRISES, INC. | 6943 COHASSET CIRCLE RIVERVIEW, FL 33578 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $33 | — | $33 | 0.02% |
| ANTHONY TEEGARDEN4 | 6608 S WEST SHORE BLVD-APT 1104 TAMPA, FL 33616 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $29 | — | $29 | 0.02% |
| CLAYTON BIEWER3 | 5821 90TH STREET LUBBOCK, TX 79424 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $24 | — | $24 | 0.02% |
| GENEVIEVE GUADALUPE4 | 75 SAINT NICHOLAS PLACE-APT 6J NEW YORK, NY 10032 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $13 | — | $13 | 0.01% |
| DARRELL WALKER4 | PO BOX 452752 SUNRISE, FL 33345 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $13 | — | $13 | 0.01% |
| SOLUTION BENEFITS, INC.4 | 2510 BOOMER LANE YORKVILLE, IL 60560 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $12 | — | $12 | 0.01% |
| RICAEDIA LLC3 | 116 VILLAGE BLVD-SUITE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $4K | $21K | 16.93% |
| RICAEDIA LLC3 Filed as: RICAEDIA, LLC | 116 VILLAGE BLVD. - SUITE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $4K | $20K | 16.72% |
| RICAEDIA LLC3 Filed as: RICAEDIA, LLC | 116 VILLAGE BLVD. - SUITE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $3K | $16K | 17.03% |
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 | 13,532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 255 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 171 | $44K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13,532 | $1.8M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12,715 | $1.8M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12,715 | $1.8M |
| Other(7 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13,532 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,532 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.