| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | PO BOX 904037 CHARLOTTE, NC 28290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $70K | — | $70K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 1450 BRICKELL AVENUE SUITE 1600 MIAMI, FL 331313451 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $25 | $10K | 6.25% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 3.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 806 TYVOLA ROAD SUITE 108 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.12% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACCIDENT INSURANCE | VARIOUS AGENTS POST OFFICE BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29K | $8K | $37K | 71.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 1450 BRICKELL AVENUE SUITE 1600 MIAMI, FL 331313451 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $297 | $3K | 9.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | PO BOX 904037 CHARLOTT, NC 28290 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.89% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $782 | — | $782 | 4.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 1450 BRICKELL AVENUE SUITE 1600 MIAMI, FL 331313451 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $132 | $2K | 17.19% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACCIDENT INSURANCE | VARIOUS BROKERS PO OFFICE BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $4K | $12K | 92.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $4K | $8 | $4K | 51.04% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY INSURANCE COMPANY | $53 | — | $53 | 0.92% |
| THE PAUL REVERE LIFE INSURANCE3 | VARIOUS AGENTS PO BOX 1365 COLUMBIA, SC 29202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $559 | $13 | $572 | 51.91% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 585 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 538 | $167K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 340 | $25K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $28K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $14K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 585 | $2.3M |
| Other(6 contracts, 5 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 283 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.