| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $250K | — | $250K | 4.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 3407 W DR MARTIN LUTHER KING JR BLV STE 200 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $119K | $28 | $119K | 12.22% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $51K | $51K | 5.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD C/O JP MORGAN CHASE NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16K | $16K | 1.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 1450 BRICKELL AVE FLOOR 16 MIAMI, FL 33131 | BEAZLEY INSURANCE COMPANY INC | $23K | — | $23K | 15.00% |
| DAVID MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 3007 BOCA RATON, FL 33487 | BEAZLEY INSURANCE COMPANY INC | $8K | — | $8K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 3407 W DR MARTIN LUTHER KING JR BLV STE 200 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $28 | $13K | 9.14% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $7K | $8K | 5.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD C/O JP MORGAN CHASE NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 904037 CHARLOTTE, NC 28290 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | — | $21K | 15.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 3407 W DR MARTIN LUTHER KING JR BLV STE 200 TAMPA, FL 33607 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $4K | — | $4K | 11.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSSEE INC | 26 CENTURY BLVD C/O JP MORGAN CHASE NASHVILLE, TN 37214 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $747 | $747 | 1.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29848 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | — |
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 | 1,022 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 59 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,000 | $8.1M |
| Dental(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,022 | $2.0M |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 648 | $1.1M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,022 | $1.1M |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,022 | $1.1M |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,022 | $1.1M |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,000 | $6.6M |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,022 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,022 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.