| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27 | — | $27 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 1120 S. TRYON ST. #650 CHARLOTTE, NC 28203 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 4.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 801 S. FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $947 | $947 | 1.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $0 | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC. | 1133 WESTCHESTER AVE SUITE N-136 WHITE PLAINS, NY 10605 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 301 S. TRYON STREET SUITE 2600 CHARLOTTE, NC 20854 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $827 | $750 | $2K | 5.30% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $199K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $199K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $199K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 135 | $70K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $30K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $30K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $199K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 135 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
No prospect flags tripped on this filing.