| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | 29848 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $3K | $28K | 8.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 4211 W BOY SCOUT BLVD. SUITE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 7.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | 29848 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $2K | $22K | 8.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 4211 W BOY SCOUT BLVD. SUITE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 6.93% |
| BENEFIT HARBOR INSURANCE SERVICES3 | 5445 LEGACY DRIVE SUITE 250 DALLAS, TX 75024 | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | $125K | — | $125K | 60.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4211 W BOY SCOUT BLVD. SUITE 1000 TAMPA, FL 33607 | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | $16K | — | $16K | 7.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | 29848 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $2K | $16K | 8.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 4211 W BOY SCOUT BLVD. SUITE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 7.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | 29848 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $7K | — | $7K | 5.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 29484 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $5K | — | $5K | 3.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | 29848 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $457 | $4K | 8.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BLVD, STE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | 29848 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $245 | $2K | 9.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 4211 W BOY SCOUT BLVD. SUITE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 4211 S BOY SCOUT BLVD. SUITE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | 29848 NETWORK PLACE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $103 | $1K | 6.01% |
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 | 3,283 | 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) | 3,283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | 175 | $205K |
| Vision | VISION SERVICE PLAN | 823 | $120K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 490 | $295K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 730 | $176K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 645 | $326K |
| Prescription drug | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | 175 | $205K |
| Other(3 contracts, 2 carriers) | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | 2,796 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,796 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.