| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC1 Filed as: WILLIS OF FLORIDA, INC | 4211 WEST BOY SCOUT BOULEVARD SUITE 1000 TAMPA, FL 336075724 | HUMANA INSURANCE COMPANY | $5K | $18 | $5K | 5.01% |
| WILLIS TOWERS WATSON US LLC1 Filed as: WILLIS INSURANCE SERVICES OF GA | 1 GLENLAKE PARKWAY 11TH FLOOR ATLANTA, GA 303283496 | HUMANA INSURANCE COMPANY | $0 | $157 | $157 | 0.16% |
| MCGRIFF INSURANCE SERVICES INC1 | MAITLAND OFFICE 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BB&T INSURANCE SERVICES, INC.1 Filed as: BB&T INSURANCE SERVICES INC | MAITLAND OFFICE 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.92% |
| MCGRIFF INSURANCE SERVICES INC1 | MAITLAND OFFICE 3650 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY INC | $1K | — | $1K | 10.00% |
| BB&T INSURANCE SERVICES, INC.1 Filed as: BB&T INSURANCE SERVICES INC | MAITLAND OFFICE 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY INC | — | $814 | $814 | 5.89% |
| MCGRIFF INSURANCE SERVICES INC1 | MAITLAND OFFICE 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $874 | $0 | $874 | 10.00% |
| BB&T INSURANCE SERVICES, INC.1 Filed as: BB&T INSURANCE SERVICES INC | MAITLAND OFFICE 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $534 | $534 | 6.11% |
| WILLIS TOWERS WATSON US LLC1 Filed as: WILLIS OF FLORIDA, INC. | 4211 WEST BOY SCOUT BOULEVARD SUITE 1000 TAMPA, FL 336075724 | EYE MED | $29 | — | $29 | 0.44% |
| NYRA VELASCO3 | 1904 CAPRI ROAD VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $391 | $68 | $459 | 7.61% |
| DES CHAMPS & GREGORY INC3 | 1812 MANATEE AVENUE WEST BRADENTON, FL 34206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $386 | $0 | $386 | 6.40% |
| COACH CONCEPTS INC3 | 55 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $117 | $266 | 4.41% |
| BETTY ROMERO3 Filed as: BETTY A BRITT | 2525 TRIGGERFISH COURT HOLIDAY, FL 34691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $0 | $117 | 1.94% |
| SCHMIDT BENEFIT GROUP INC3 | 512 LYONS BAY ROAD NOKOMIS, FL 34275 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $17 | $46 | 0.76% |
| PAT WILLIAMS INSURANCE CONSULTANTS1 | 18201 GULF BOULEVARD REDINGTON SHORES, FL 33708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.73% |
| CARRIE RUTTER3 | 2907 14 STREET NORTH ST. PETERSBURG, FL 33704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $2 | $36 | 0.60% |
| THOMAS WALLACE JR3 | 57 WYN OAK DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.23% |
| PAMELA COPLE SMITH3 Filed as: PAMELA SMITH | 128 NORTH ZION STREET WINNSBORO, SC 29180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.05% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 37474 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC1 | MAITLAND OFFICE 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 100.06% |
| BB&T INSURANCE SERVICES, INC.1 Filed as: BB&T INSURANCE SERVICES INC | MAITLAND OFFICE 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $902 | $902 | 57.64% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 118 | $97K |
| Vision | EYE MED | 107 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY INC | 142 | $23K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 7 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $20K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY INC | 142 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.