| 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 STE 200 TAMPA, FL 33606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $85K | $17K | $103K | 11.60% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SUN RISK MANAGEMENT INC | 120 6TH STREET SOUTH ST. PETERSBURG, FL 33701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 1.36% |
| 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 | $11K | $4K | $15K | 16.62% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SUN RISK MANAGEMENT, INC. | 120 6TH STREET SOUTH ST. PETERSBURG, FL 33701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.28% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | PO BOX 373 TAMPA, FL 336010373 | VISION SERVICE PLAN | $2K | — | $2K | 2.53% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SUN RISK MANAGEMENT, INC. | 120 6TH STREET SOUTH ST. PETERSBURG, FL 33701 | VISION SERVICE PLAN | $337 | — | $337 | 0.50% |
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 | 593 | 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) | 593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 607 | $67K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 593 | $886K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 593 | $886K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 115 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 607 | — |
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.
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.