| 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 | HEALTH OPTIONS, INC. | $38K | — | $38K | 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 | $7K | — | $7K | 14.06% |
| 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 | 9.99% |
| SABRINA HASKELL3 | PO BOX 3274 OCALA, FL 34478 | AFLAC | $1K | — | $1K | 5.89% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: CH ROBINSON & ASSOCIATES INC | 101 SE 2ND PL, STE 201A GAINESVILLE, FL 32601 | AFLAC | $887 | — | $887 | 4.36% |
| VARIOUS OTHER BROKERS & AGENTS3 | UNKNOWN GAINESVILLE, FL 32601 | AFLAC | $419 | — | $419 | 2.06% |
| SHANNON TROWBRIDGE3 | 126 CYPRESS VIEW RD GOOSE CREEK, SC 29445 | AFLAC | $351 | — | $351 | 1.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | PO BOX 904307 CHARLOTTE, NC 28290 | AFLAC | $307 | — | $307 | 1.51% |
| JEREMY M HASKELL3 Filed as: JEREMY HASKELL | PO BOX 3274 OCALA, FL 34478 | AFLAC | $283 | — | $283 | 1.39% |
| SOTERIA S MALLARD3 | 6529 NW 36TH TER GAINESVILLE, FL 32653 | AFLAC | $128 | — | $128 | 0.63% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC. | 109 | $754K |
| Dental | UNION SECURITY INSURANCE COMPANY | 85 | $43K |
| Vision | UNION SECURITY INSURANCE COMPANY | 85 | $43K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 193 | $50K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 193 | $50K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 193 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.