| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | PO BOX 904037 CHARLOTTE, NC 28290 | BLUE CROSS BLUE SHIELD OF FLORIDA | $58K | — | $58K | 5.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF GEORGIA, INC | 1 GLENLAKE PKWY. N.E. 11TH FLOOR ATLANTA, GA 30328 | FLORIDA COMBINED LIFE | $7K | — | $7K | 7.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 18TH FL CONCOURSE CORPORATE CTR 5 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 17.50% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION ST COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 9.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 18TH FL CONCOURSE CORPORATE CTR 5 ATLANTA, GA 30328 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $361 | $2K | 14.50% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION ST COLUMBIA, SC 29201 | STARMOUNT LIFE INSURANCE COMPANY | $683 | $546 | $1K | 8.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 18FL CONCOURSE CORPORATE CTR 5 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $358 | $3K | 18.89% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION ST COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $670 | $536 | $1K | 8.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 5 CONCOURSE PKWY NE 18TH FLOOR ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $622 | $106 | $728 | 18.59% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION ST COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $211 | $169 | $380 | 9.70% |
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 | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 285 | $1.1M |
| Dental | FLORIDA COMBINED LIFE | 323 | $85K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 262 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 762 | $18K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $75K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $75K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 762 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 762 | — |
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.