| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1001 BRICKELL BAY DR MIAMI, FL 33131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | — | $29K | 3.95% |
| M.E. WILSON COMPANY, LLC3 Filed as: ME WILSON COMPANY LLC | 300 W PLATT ST SUITE 200 TAMPA, FL 33606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 1.24% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E WILSON COMPANY LLC | 300 W PLATT ST # 200 TAMPA, FL 33606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $57K | — | $57K | 11.82% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E WILSON COMPANY LLC | 300 W PLATT ST STE 200 TAMPA, FL 33606 | SUN LIFE INSURANCE COMPANY OF CANADA | $9K | — | $9K | 14.76% |
| M.E. WILSON COMPANY, LLC3 | 120 6TH STREET SOUTH ST. PETERSBURG, FL 33701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 18.72% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E WILSON COMPANY LLC | PO BOX 373 TAMPA, FL 33601 | VSP VISION CARE | $992 | — | $992 | 2.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $140K |
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 | 522 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 613 | $38K |
| Vision | VSP VISION CARE | 581 | $38K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 597 | $736K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 567 | $485K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 567 | $485K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 597 | $797K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 613 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.