| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-BUFFALO | 726 EXCHANGE ST STE 618 BUFFALO, NY 14210 | STANDARD INSURANCE COMPANY | $35K | $4K | $39K | 10.92% |
| CERIDIAN CLIENTS FUNDS TRUST3 | 3311 EAST OLD SHAKOPEE ROAD MINNEAPOLIS, MN 55425 | STANDARD INSURANCE COMPANY | — | $8K | $8K | 2.24% |
| CERIDIAN HCM INC3 | PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 1.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCES LLC- BUFFALO | 726 EXCHANGE ST STE 618 BUFFALO, NY 14210 | STANDARD INSURANCE COMPANY | $26K | $6K | $31K | 12.16% |
| CERIDIAN HCM INC3 | PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | — | $7K | $7K | 2.70% |
| CERIDIAN CLIENTS FUNDS TRUST3 | 3311 EAST OLD SHAKOPEE RD MINNEAPOLIS, MN 55425 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 1.97% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCES LLC- BUFFALO | 726 EXCHANGE ST STE 618 BUFFALO, NY 14210 | STANDARD INSURANCE COMPANY | $18K | $3K | $22K | 11.86% |
| CERIDIAN HCM INC3 | PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 2.61% |
| CERIDIAN CLIENTS FUNDS TRUST3 | 3311 EAST OLD SHAKOPEE RD MINNEAPOLIS, MN 55425 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 2.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-BUFFALO | 726 EXCHANGE ST STE 618 BUFFALO, NY 14210 | STANDARD INSURANCE COMPANY | $18K | $4K | $21K | 12.02% |
| CERIDIAN HCM INC3 | PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 2.56% |
| CERIDIAN CLIENTS FUNDS TRUST3 | 3311 EAST OLD SHAKOPEE RD MINNEAPOLIS, MN 55425 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 2.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCES LLC- BUFFALO | 726 EXCHANGE ST STE 618 BUFFALO, NY 14210 | STANDARD INSURANCE COMPANY | $8K | $769 | $8K | 11.02% |
| CERIDIAN CLIENTS FUNDS TRUST3 | 3311 EAST OLD SHAKOPEE RD MINNEAPOLIS, MN 55425 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.34% |
| CERIDIAN HCM INC3 | PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - NEVADA | 5355 KIETZKE LN STE 101 RENO, ND 89511 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 18.14% |
| CERIDIAN CLIENTS FUNDS TRUST3 | 3311 EAST OLD SHAKOPEE RD MINNEAPOLIS, MN 55425 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| RONALD C TRULUCK4 Filed as: RONALD L MILLER | 1001 ERROL PARKWAY APOPKA, FL 32712 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 5.95% |
| USI INSURANCE SERVICES LLC4 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $888 | — | $888 | 5.10% |
| CARL V. SCHROEDER4 Filed as: CARL V SCHROEDER | 2749 RUNYON CIRCLE ORLANDO, FL 32837 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $360 | — | $360 | 2.07% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | — | $0 | — |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33067 | ZURICH AMERICAN INSURANCE COMPANY | — | — | $0 | — |
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 | 581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 557 | $358K |
| Vision | STANDARD INSURANCE COMPANY | 1,065 | $76K |
| Life insurance | STANDARD INSURANCE COMPANY | 668 | $255K |
| Short-term disability | STANDARD INSURANCE COMPANY | 220 | $175K |
| Long-term disability | STANDARD INSURANCE COMPANY | 668 | $182K |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 581 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,065 | — |
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.