| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M.E. WILSON COMPANY, LLC3 | P. O. BOX 373 TAMPA, FL 33601 | UNION SECURITY INSURANCE COMPANY | $50K | — | $50K | 12.60% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | 300 W PLATT ST TAMPA, FL 33606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | $11K | $43K | 13.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 0.75% |
| MERITAIN HEALTH | P.O. BOX 27267 MINNEAPOLIS, MN 55427 | MERITAIN HEALTH | — | $468K | $468K | — |
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 | 892 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 892 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 663 | $0 |
| Dental | UNION SECURITY INSURANCE COMPANY | 624 | $396K |
| Vision | UNION SECURITY INSURANCE COMPANY | 624 | $396K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 892 | $314K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 892 | $314K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 892 | $314K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 892 | $710K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 892 | — |
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."
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.