| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 300 1ST AVE S SAINT PETERSBURG, FL 33701 | AETNA LIFE INSURANCE CO. | — | $25K | $25K | 0.23% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S STE 500 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $32K | $32K | 5.18% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 1.25% |
| CORPORATE SYNERGIES GROUP LLC3 | ORLANDO LOCATION 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.25% |
| BRISTOWE, RANDALL DAVID3 | 11234 SAN JOSE BLVD SUITE 7 JACKSONVILLE, FL 32223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.63% |
| BRISTOWE, RANDALL DAVID3 | 11234 SAN JOSE BLVD SUITE 7 JACKSONVILLE, FL 32223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 8.20% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | AN AON COMPANY 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $478 | — | $478 | 1.33% |
| STUBBS SHAWN I3 Filed as: STUBBS, SHAWN I | 11234 SAN JOSE BLVD SUITE 7 JACKSONVILLE, FL 32223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $354 | — | $354 | 0.98% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - TAMPA | 29695 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 0.37% |
| KLIMA, RICHARD, DOUGLAS3 Filed as: KLIMA, RICHARD DOUGLAS | P O BOX 905494 CHARLOTTE, NC 282905494 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.20% |
| WEISHAUPT HEIDI S3 Filed as: WEISHAUPT, HEIDI SUSANNE | 4520 29TH AVENUE CIRCLE EAST PALMETTO, FL 34221 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
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 | 711 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 711 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,278 | $10.7M |
| Dental | AETNA LIFE INSURANCE CO. | 1,278 | $10.7M |
| Vision | AETNA LIFE INSURANCE CO. | 1,278 | $10.7M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 711 | $653K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 711 | $617K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 711 | $617K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 1,278 | $10.7M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 711 | $701K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,278 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.