| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $150K | — | $150K | 1.30% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $125K | $125K | 1.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC FT. LAUD | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $16K | $52K | 0.45% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $96K | — | $96K | 1.37% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $80K | $80K | 1.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC(FT. LAUDERDAL) | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 0.07% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 1.27% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $24K | $24K | 1.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC(FT. LAUDERDAL) | PO BOX62689 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $12K | 0.51% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $404K | — | $404K | 51.14% |
| REUBEN WARNER ASSOCIATES, INC. Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $40K | $0 | $40K | 15.00% |
| WILLIS TOWERS WATSON US LLC | P.O. BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | ZURICH AMERICAN INSURANCE COMPANY | $13K | — | $13K | 5.00% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON PR BROKERAGE, INC. | — | TRIPLE S SALUD, INC | $8K | — | $8K | 5.00% |
| USI INSURANCE SERVICES LLC3 | STE 400 2502 N ROCKY POINT DR ROCKY POINT, FL 33607 | PROVIDENT LIFE AND ACCIDENT COMPANY | $15K | $1K | $16K | 10.35% |
| BLOCK, CHARLES, D3 Filed as: BLOCK,CHARLES, D | UNITED 208 648 VILLAGE PARK DR WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT COMPANY | $7K | $635 | $8K | 5.30% |
| VAN EPPS, JAMES, H3 | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT COMPANY | $7K | $515 | $8K | 5.22% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT COMPANY | $1K | — | $1K | 0.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC(FT. LAUDERDAL) | PO BOX 62689 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT COMPANY | $948 | — | $948 | 0.62% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $16K | $16K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | ZURICH AMERICAN INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | STE 400 2502 N ROCKY POINT DR TAMPA, FL 33607 | FIRST UNUM LIFE INSURANCE COMPANY | $25 | — | $25 | 2.77% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $17 | — | $17 | 1.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC FT. LAUDERDAL | PO BOX 62689 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $16 | — | $16 | 1.77% |
| BLOCK, CHARLES, D3 | UNIT 208 648 VILLAGE PARK DR WILMINGTON, NC 28405 | FIRST UNUM LIFE INSURANCE COMPANY | $12 | — | $12 | 1.33% |
| VAN EPPS, JAMES, H3 | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 30075 | FIRST UNUM LIFE INSURANCE COMPANY | $12 | — | $12 | 1.33% |
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 | 8,905 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 342 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC | 32 | $154K |
| Dental(5 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,669 | $538K |
| Vision | VISION SERVICE PLAN | 7,879 | $1.1M |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15,713 | $11.8M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15,713 | $18.6M |
| Prescription drug | TRIPLE S SALUD, INC | 32 | $154K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 8,870 | $2.4M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,905 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,713 | — |
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."
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.