| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICAEDIA LLC3 | 47 PRIMROSE CIRCLE SUITE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $225K | — | $225K | 8.52% |
| RICAEDIA LLC3 | 47 PRIMROSE CIRCLE SUITE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $80K | — | $80K | 10.40% |
| RICAEDIA LLC3 Filed as: RICAEDIA, LLC | 47 PRIMROSE CIRCLE STE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $87K | $13K | $99K | 17.16% |
| RICAEDIA LLC3 | 47 PRIMROSE CIRCLE STE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $85K | $11K | $96K | 16.99% |
| RICAEDIA LLC3 | 47 PRIMROSE CIRCLE STE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57K | $8K | $65K | 17.07% |
| RICAEDIA LLC4 | 47 PRIMROSE CIRCLE PRINCETON, NJ 08540 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $37K | — | $37K | 15.21% |
| MARGARET JOHNSTON4 | UNIT 1235 2755 VIA CAPRI CLEARWATER, FL 33764 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $252 | — | $252 | 0.10% |
| ELIZABETH H FINCHER4 | PO BOX 1382 ROSWELL, GA 30077 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $107 | — | $107 | 0.04% |
| RESOURCE SEVEN4 Filed as: RESOURCE SEVEN INC | STE 203 500 LANIER AVE W FAYETTEVILLE, GA 30214 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $57 | — | $57 | 0.02% |
| RHONA S UNSELL INC4 | STE 370-152 6525 GUNPARK DRIVE BOULDER, CO 80301 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $52 | — | $52 | 0.02% |
| CHANDRA VATS4 | 8710 GENTLE STONE CT HOUSTON, TX 77095 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $35 | — | $35 | 0.01% |
| ANTHONY TEEGARDEN4 | APT 504 4825 BAY HERON PL TAMPA, FL 33616 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | — | $23 | 0.01% |
| RAJA VELUSWAMY3 | 47 PRIMROSE CIR PRINCETON, NJ 085409418 | KAISER FOUNDATION HEALTH PLAN INC.- CA | $6K | — | $6K | 4.09% |
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 | 12,349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 185 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 64 | $416K |
| Dental(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 64 | $416K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC.- CA | 616 | $204K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 17,268 | $2.6M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,620 | $2.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 9,603 | $2.8M |
| Prescription drug | TRIPLE S SALUD, INC. | 64 | $258K |
| Other(7 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 17,039 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,268 | — |
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.