| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | AETNA HEALTH, INC. | $0 | $85K | $85K | 3.45% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANDA, GA 30374 | AETNA HEALTH, INC. | $0 | $33K | $33K | 1.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 29848 NETWORK PLACE CHICAGO, IL 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 7.54% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $805 | $2K | 1.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | AETNA LIFE INSURANCE COMPANY | $9K | $101 | $9K | 6.64% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.57% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE | $4K | $0 | $4K | 8.16% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORPORATE CENTER SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE | $3K | $0 | $3K | 5.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | AMERICAN PUBLIC LIFE | $3K | $0 | $3K | 5.82% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE MIAMI, FL 33131 | AMERICAN PUBLIC LIFE | $2K | $0 | $2K | 4.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 29848 NETWORK PLACE CHICAGO, IL 28290 | EYEMED | $2K | $0 | $2K | 7.93% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | EYEMED | $879 | $0 | $879 | 4.07% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 402 | $2.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 423 | $137K |
| Vision | EYEMED | 388 | $22K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $172K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $172K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $172K |
| Prescription drug | AETNA HEALTH, INC. | 402 | $2.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.