| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 32090 NEW YORK, NY 10087 | UNITED CONCORDIA INSURANCE COMPANY | $50K | — | $50K | 10.13% |
| 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 | 2.05% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 6.83% |
| RUSSELL J CARPENTIERI3 Filed as: THE RUSSELL HUGHES III INS COM LLC | 721 US HIGHWAY 1, SUITE 203 NORTH PALM BEACH, FL 33408 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.99% |
| JAMEY MILLER INC3 Filed as: JAMEY J MILLER | 4811 BEACH BLVD STE 107 JACKSONVILLE, FL 32207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $543 | — | $543 | 0.43% |
| SHADEL & ASSOCIATES LLC3 Filed as: SHADEL & ASSOCIATES | 711 BEACH BLVD, APT 1316 JACKSONVILLE BEACH, FL 32250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $543 | — | $543 | 0.43% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 23.72% |
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 | 1,368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 122 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,800 | $491K |
| Vision | VISION SERVICE PLAN | 1,584 | $189K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,990 | $125K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,990 | $154K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,990 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,990 | — |
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.