| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD RD BLDG 5, STE 200 RADNOR, PA 19087 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $50K | — | $50K | 10.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 5 RADNOR CORPORATE CTR, STE 200 WAYNE, PA 19087 | VISION SERVICE PLAN | $4K | — | $4K | 2.12% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AFLAC | $15K | — | $15K | 11.90% |
| RUSSELL J CARPENTIERI3 Filed as: THE RUSSELL HUGHES III INS COM LLC | 721 US HIGHWAY 1, SUITE 203 NORTH PAM BEACH, FL 33408 | AFLAC | $20 | — | $20 | 0.02% |
| JAMEY MILLER INC3 Filed as: JAMEY J MILLER | 4811 BEACH BLVD #107 JACKSONVILLE, FL 32207 | AFLAC | $5 | — | $5 | 0.00% |
| SHADEL & ASSOCIATES LLC3 Filed as: SHADEL & ASSOCIATES | 711 BEACH BLVD, APT 1316 JACKSONVILLE BEACH, FL 32250 | AFLAC | $5 | — | $5 | 0.00% |
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 | 1,347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 284 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,635 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 1,649 | $470K |
| Vision | VISION SERVICE PLAN | 1,427 | $169K |
| Life insurance | AFLAC | 903 | $122K |
| Short-term disability | AFLAC | 903 | $122K |
| Other | AFLAC | 903 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,649 | — |
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.