| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 7800 BELFORT PKWY STE 270 JACKSONVILLE, FL 32256 | SYMETRA LIFE INSURANCE COMPANY | — | $49K | $49K | 2.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WASON US LLC | 1500 MARKET ST FL 20 PHILADELPHIA, PA 19102 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 1.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 0.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 7800 BELFORT ROAD JACKSONVILLE, FL 32256 | ACE AMERICAN INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | 1450 BRICKELL AVENUE MIAMI, FL 33131 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORIDA BLUE EIN 59-2015694 HEALTH CLAIM ADMIN | Contract Administrator; Claims processing Service code 12 | — | $870K |
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 | 1,196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 2 | $21K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 1,138 | $72K |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 935 | $168K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,196 | $1.2M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,196 | $1.2M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,196 | $1.2M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,164 | $1.6M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 2,029 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,029 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.