| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | 300 W PLATT ST SUITE 200 TAMPA, FL 33606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 8.97% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DR. SUITE 201 ORLANDO, FL 32821 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 5.98% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | 300 W. PLATT ST. STE 200 TAMPA, FL 33606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $2K | $15K | 10.53% |
| SEE ATTACHED3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 11.48% |
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 | 394 | 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) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $143K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $143K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 394 | $168K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 394 | $168K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 394 | $168K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 394 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.