| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC. | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | — | $21K | $21K | 2.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC. | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | — | $9K | $9K | 2.50% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | — | $26K | 23.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | — | $21K | 19.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | 7800 BELFORT ROAD SUITE 270 JACKSONVILLE, FL 32256 | ACE AMERICAN INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | 1450 BRICKELL AVENUE SUITE 1600 MIAMI, FL 33131 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.85% |
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 | 1,158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 2 | $21K |
| Dental | AETNA LIFE INSURANCE COMPANY | 2 | $21K |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 972 | $184K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,166 | $816K |
| Long-term disability | STANDARD INSURANCE COMPANY | 930 | $350K |
| Other(5 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 1,166 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,166 | — |
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.