| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RX BENEFITS3 | 3700 COLONNADE PKWY STE 600 BIRMINGHAM, AL 35243 | RX BENEFITS, INC | — | $7K | $7K | 0.35% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY INC | P.O. BOX 373 TAMPA, FL 33601 | HARTFORD LIFE AND ACCIDENT | $42K | — | $42K | 10.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | HARTFORD LIFE AND ACCIDENT | $26K | — | $26K | 6.61% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 1.11% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | 300 W PLATT ST STE 200 TAMPA, FL 33606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $356 | $17K | 6.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 4.23% |
| MERITAIN HEALTH3 | P.O. BOX 27267 MINNEAPOLIS, MN 55427 | MERITAIN HEALTH | — | $309K | $309K | — |
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 | 809 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 809 | $0 |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 818 | $273K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 818 | $273K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,228 | $392K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,228 | $392K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,228 | $392K |
| Prescription drug | RX BENEFITS, INC | 806 | $2.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 1,228 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,228 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.