| 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 TAMPA, FL 33606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $16K | $16K | 3.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S. CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $5K | $5K | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | P.O. BOX 1027 CLEARWATER, FL 33757 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $13K | $42K | 20.37% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | P.O. BOX 373 TAMPA, FL 33601 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.11% |
| KENT E MOSS & ASSOC INC3 Filed as: KENT E. MOSS & ASSOC. INC. | 8306 DENISE DR SEMINOLE, FL 33777 | UNITED HEALTHCARE INSURANCE COMPANY | $22 | — | $22 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $209K |
| M.E. WILSON COMPANY, LLC EIN 59-2585447 BROKER | Other commissions Service code 55 | P.O. BOX 373 TAMPA, FL 33601 | $0 |
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 | 410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 119 | $21K |
| Dental | ANCHOR BENEFIT CONSULTING | 164 | $0 |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 119 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $204K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $204K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $204K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 194 | $501K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.