| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2502 N ROCKY POINT DR STE 400 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $69K | — | $69K | 5.62% |
| CERIDIAN HCM INC3 | PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | — | $52K | $52K | 4.26% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $46K | — | $46K | 3.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | STANDARD INSURANCE COMPANY | $30K | — | $30K | 2.45% |
| CERIDIAN CLIENTS FUNDS TRUST3 | PO BOX 711, C5 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | -$392 | -$392 | -0.03% |
| MARSH & MCLENNAN AGENCY LLC4 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 6.15% |
| 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 | $396 | — | $396 | 1.96% |
| CAROL PURDY FIELDS4 Filed as: CAROL CLINTON SMITH MARITAL TRUST | 3317 WAUWINET WAY NORMAN, OK 73071 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $186 | — | $186 | 0.92% |
| 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 | 746 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 753 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 1,250 | $1.2M |
| Vision | STANDARD INSURANCE COMPANY | 1,250 | $1.2M |
| Life insurance | STANDARD INSURANCE COMPANY | 1,250 | $1.2M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,250 | $1.2M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,250 | $1.2M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 1,250 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,250 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.