| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FL INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | HM LIFE INSURANCE COMPANY | $61K | — | $61K | 6.69% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SVCS INC | 2202 N WEST SHORE BLVD SUITE 2 TAMPA, FL 33607 | HM LIFE INSURANCE COMPANY | $30K | — | $30K | 3.31% |
| 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 | $23K | — | $23K | 8.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 2202 N WEST SHORE BLVD SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 3.27% |
| 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 | $27K | — | $27K | 10.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 2202 N WEST SHORE BLVD SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 4.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 4211 WEST BOY SCOUT BLVD STE 1000 TAMPA, FL 336075724 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 3.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF GA INC | 1 GLENLAKE PKWY, 11TH FL ATLANTA, GA 303283496 | HUMANA INSURANCE COMPANY | — | $2K | $2K | 0.90% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SER INC - HOUSTON | 5847 SAN FELIPE STE 2750 HOUSTON, TX 770573265 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 0.75% |
| POWELL, JAMES W3 | 2202 NORTH WEST SHORE STE 200 TAMPA, FL 336075749 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 0.38% |
| 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 | $5K | — | $5K | 7.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 2202 N WEST SHORE BLVD SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.96% |
| 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 | $2K | — | $2K | 9.76% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 2202 N WEST SHORE BLVD SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4880 W. NEWBERRY RD. #100 GAINESVILLE, FL 32607 | ADVANTICA REINSURANCE COMPANY | $1K | — | $1K | 4.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC - CA | 6430 ROCKLEDGE DRIVE SUITE 504 BETHESDA, MD 20817 | ADVANTICA REINSURANCE COMPANY | $717 | — | $717 | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $547K |
| ALLIANT INSURANCE SERVICES INC EIN 33-0785439 BROKER | Other commissions Service code 55 | 433 PLAZA REAL STE 275 BOCA RATON, FL 334323999 | $0 |
| HRH - WILLIS OF FLORIDA INC EIN 65-0544419 BROKER | Other commissions Service code 55 | 3000 BAYPORT DR STE 300 TAMPA, FL 336078415 | $0 |
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 | 659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 276 | $269K |
| Vision | ADVANTICA REINSURANCE COMPANY | 554 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 663 | $280K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 663 | $269K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 663 | $65K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 656 | $909K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 663 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 663 | — |
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.