| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4600 WEST CYPRESS STREET, SUITE 500 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | — | $52K | 8.03% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, NJ 08830 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $0 | $16K | 2.50% |
| ASSUREDPARTNERS3 | 300 COLONIAL CENTER PARKWAY SUITE 270 LAKE MARY, FL 32746 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $0 | $27K | 11.00% |
| ASSUREDPARTNERS3 | 4600 WEST CYPRESS STREET, SUITE 500 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $5K | $5K | 2.19% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 100 WOOD AVENUE SOUTH ISELIN, NJ 08830 | UNITEDHEALTHCARE INSURANCE COMPANY | $204 | $0 | $204 | 0.08% |
| ASSUREDPARTNERS3 | 4600 WEST CYPRESS STREET, SUITE 500 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $0 | $10K | 7.55% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 1055 WESTLAKES DRIVE, SUITE 131 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $0 | $3K | 2.33% |
| ASSUREDPARTNERS3 | 4880 NEWBERRY ROAD, SUITE 180 GAINESVILLE, FL 32607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 11.11% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, NJ 08830 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | $0 | $17 | 0.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE, INC. | 3407 W. MARTIN LUTHER KING JR BLVD. SUITE 200 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10 | $0 | $10 | 0.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE, INC | 2045 14TH AVENUE VERO BEACH, FL 32960 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | $0 | $8 | 0.08% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 253 | $647K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 183 | $130K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $244K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $244K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $244K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $244K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 253 | $647K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.