| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET 6TH FL. NEW YORK, NY 10281 | PRINCIPAL LIFE INSURANCE COMPANY | $117K | — | $117K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 1 WORLD FINANCIAL CTR 200 LIBERTY STREET, LOBBY C NEW YORK, NY 10281 | BLUE CROSS BLUE SHIELD OF FLORIDA | $31K | — | $31K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 1 WORLD FINANCIAL CTR 200 LIBERTY STREET, LOBBY C NEW YORK, NY 10281 | HEALTH OPTIONS, INC | $22K | — | $22K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET FLOOR 6 NEW YORK, NY 10281 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 800 BOYLSTON STREET STE 600 BOSTON, MA 52199 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $11K | — | $11K | 10.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 1 WORLD FINANCIAL CTR 200 LIBERTY STREET, LOBBY C NEW YORK, NY 10281 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET BROOKFIELD PLACE NEW YORK, NY 10281 | ZURICH AMERICAN INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 800 BOYLSTON STREET BOSTON, MA 52199 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $935 | — | $935 | 10.91% |
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 | 1,385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 74 | $883K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 224 | $75K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 1,996 | $112K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,671 | $1.3M |
| Short-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,671 | $1.3M |
| Long-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,671 | $1.3M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 74 | $883K |
| Other | ZURICH AMERICAN INSURANCE COMPANY | 293 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,996 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.