| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 300 COLONIAL CENTER PARKWAY SUITE 120 LAKE MARY, FL 32746 | AETNA LIFE INSURANCE CO. | $126K | $9K | $135K | 11.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $43K | — | $43K | 3.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | $8K | $55K | 5.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $3K | $16K | 1.59% |
| PETER LENIART3 | 2962 SOMERSWORTH DRIVE CLEARWATER, FL 33761 | CONTINENTAL CASUALTY COMPANY24 | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015697 NONE | Contract Administrator Service code 13 | — | $811K |
| DELTA DENTAL INS COMPANY EIN 94-2761537 NONE | Contract Administrator Service code 13 | — | $54K |
| VISION SERVICE PLAN EIN 36-3560825 NONE | Contract Administrator Service code 13 | — | $21K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 NONE | Contract Administrator Service code 13 | — | $18K |
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 | 2,053 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,073 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL CASUALTY COMPANY24 | 24 | $33K |
| Life insurance | AETNA LIFE INSURANCE CO. | 2,544 | $1.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,026 | $1.0M |
| Stop-loss / reinsurancereinsurance | ARCH INSURANCE COMPANY | 1,769 | $348K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 2,544 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,544 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.