| 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 | $275K | — | $275K | 9.08% |
| RICAEDIA LLC3 | 47 PRIMROSE CIRCLE SUITE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $69K | — | $69K | 9.74% |
| RICAEDIA LLC3 | 47 PRIMROSE CIRCLE STE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $90K | — | $90K | 15.00% |
| RICAEDIA LLC3 Filed as: RICAEDIA, LLC | 47 PRIMROSE CIRCLE STE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $72K | — | $72K | 15.00% |
| RICAEDIA LLC3 | 47 PRIMROSE CIRCLE STE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57K | — | $57K | 15.00% |
| RICAEDIA LLC4 | 47 PRIMROSE CIRCLE PRINCETON, NJ 08540 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $41K | — | $41K | 13.70% |
| MARGARET JOHNSTON4 | APT A 5405 MCLEOD DR TAMPA, FL 33610 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $302 | — | $302 | 0.10% |
| ELIZABETH H FINCHER4 | PO BOX 1382 ROSWELL, GA 30077 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $37 | — | $37 | 0.01% |
| ANTHONY TEEGARDEN4 | APT 504 4825 BAY HERON PL TAMPA, FL 33616 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $29 | — | $29 | 0.01% |
| RAJA VELUSWAMY3 | 47 PRIMROSE CIR PRINCETON, NJ 085409418 | KAISER FOUNDATION HEALTH PLAN INC.- CA | $4K | — | $4K | 4.78% |
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 | 11,110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 163 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 36 | $280K |
| Dental(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 36 | $280K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC.- CA | 675 | $96K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,536 | $3.0M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,554 | $2.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,310 | $2.3M |
| Prescription drug | TRIPLE S SALUD, INC. | 36 | $204K |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16,264 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,264 | — |
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.