| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | AETNA LIFE INSURANCE COMPANY | $6K | $41K | $47K | 5.15% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $542 | $5K | $5K | 0.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4211 BOY SCOUT BOULEVARD TAMPA, FL 33607 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 7.99% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATE CIRCLE BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 4.99% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 6151 LAKE OSPREY DRIVE SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 4.99% |
| DAVID D HOWES3 Filed as: DAVID D. HOWES | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 54.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 21.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 29848 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $905 | — | $905 | 9.01% |
| LOCKTON COMPANIES, LLC3 | 201 SOUTH BISCAYNE BOULEVARD SUITE 2850 MIAMI, FL 33131 | VISION SERVICE PLAN | $99 | — | $99 | 0.99% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 213 | $966K |
| Dental | AETNA LIFE INSURANCE COMPANY | 213 | $918K |
| Vision | VISION SERVICE PLAN | 111 | $10K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 59 | $20K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 59 | $20K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 213 | $918K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 59 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.