| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FL INC | PO BOX 904037 CHARLOTTE, NC 28290 | HM LIFE INSURANCE COMPANY | $87K | — | $87K | 10.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS LLC | 2045 14TH AVE VERO BEACH, FL 32960 | HM LIFE INSURANCE COMPANY | -$7K | — | -$7K | -0.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BLVD, STE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $96K | — | $96K | 13.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 4211 WEST BOY SCOUT BLVD STE 1000 TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $12K | — | $12K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF GA INC | 1 GLENLAKE PKWY, 11TH FL ATLANTA, GA 30328 | HUMANA INSURANCE COMPANY | — | $2K | $2K | 0.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | PO BOX 904037 CHARLOTTE, NC 28290 | ADVANTICA REINSURANCE COMPANY | $3K | — | $3K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BLVD, STE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $405 | — | $405 | 15.00% |
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 | 669 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 274 | $238K |
| Vision | ADVANTICA REINSURANCE COMPANY | 527 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 669 | $688K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 669 | $688K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 669 | $688K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 663 | $798K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 669 | $691K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.