| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON, LLC | 300 W PLATT ST FL 2 TAMPA, FL 33606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $2K | $18K | 10.76% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON, LLC | 300 W PLATT ST FL 2 TAMPA, FL 33606 | NATIONAL GUARDIAN LIFE ISURANCE COMPANY | $1K | — | $1K | 10.05% |
| MERITAN HEALTH | — | MERITAN HEALTH | — | $49K | $49K | — |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAN HEALTH | 126 | $0 |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $166K |
| Vision | NATIONAL GUARDIAN LIFE ISURANCE COMPANY | 97 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $166K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $166K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $166K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.