| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | 335 MADISON AVE, FL20 NEW YORK, NY 100174633 | RELIASTAR LIFE INSURANCE COMPANY | — | $17K | $17K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | 2965 ALT 19 PALM HARBOR, FL 34683 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 14.47% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.75% |
| CHEPENIK FINANCIAL SERVICES INC.3 Filed as: CHEPENIK, BARNETT I | 1010 ORANGE AVE WINTER PARK, FL 32789 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.27% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $702 | — | $702 | 3.32% |
| CHEPENIK FINANCIAL SERVICES INC.3 Filed as: CHEPENIK, BARNETT I | 1010 ORANGE AVE WINTER PARK, FL 32789 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $531 | — | $531 | 2.51% |
| CHEPENIK FINANCIAL SERVICES INC.3 Filed as: CHEPENIK FINANCIAL SERVICE IN | 1010 ORANGE AVE WINTER PARK, FL 32789 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.48% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ALLTRUST INS | 2965 ALT 19 PALM HARBOR, FL 34683 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $494 | — | $494 | 4.03% |
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 | 7,765 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,815 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 7,392 | $441K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,870 | $693K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 6,848 | $1.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,001 | $172K |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 7,870 | $435K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,870 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.