| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4880 NEWBERRY RD GAINESVILLE, FL 32607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $32K | — | $32K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 4880 W NEWBERRY RD, STE 100 GAINESVILLE, FL 32607 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 14.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 4880 W NEWBERRY RD, STE 100 GAINESVILLE, FL 32607 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 10.01% |
| SABRINA HASKELL3 | PO BOX 3274 OCALA, FL 34478 | AFLAC | $3K | — | $3K | 13.84% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: CH ROBINSON & ASSOCIATES INC | 101 SE 2ND PL, STE 201A GAINESVILLE, FL 32601 | AFLAC | $2K | — | $2K | 8.62% |
| SHANNON TROWBRIDGE3 | 126 CYPRESS VIEW RD GOOSE CREEK, SC 29445 | AFLAC | $920 | — | $920 | 4.73% |
| GREGORY BURROUGHS3 | 1846 SE 38TH AVE OCALA, FL 34471 | AFLAC | $394 | — | $394 | 2.02% |
| VARIOUS OTHER BROKERS & AGENTS3 | UNKNOWN GAINESVILLE, FL 32601 | AFLAC | $371 | — | $371 | 1.91% |
| WILLIAM ZACHOW3 Filed as: WILLIAM G WRIGHT IV | 1806 NW 100TH WAY GAINESVILLE, FL 32606 | AFLAC | $369 | — | $369 | 1.90% |
| JEREMY M HASKELL3 Filed as: JEREMY HASKELL | PO BOX 3274 OCALA, FL 34478 | AFLAC | $157 | — | $157 | 0.81% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 98 | $640K |
| Dental | UNION SECURITY INSURANCE COMPANY | 81 | $39K |
| Vision | UNION SECURITY INSURANCE COMPANY | 81 | $39K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 183 | $44K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 183 | $44K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 183 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.