| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 300 COLONIAL CENTER PARKWAY SUITE 120 LAKE MARY, FL 32746 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | 2.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | BLUE CROSS BLUE SHIELD OF FLORIDA | $15K | — | $15K | 2.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $84 | $2K | 4.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $18 | $2K | 3.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 2412 DAYTONA BEACH, FL 32115 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 806 TYVOLA ROAD, SUITE 108 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | — | $497 | $497 | 0.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 2.54% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF FLORIDA, INC. | 300 COLONIAL CENTER PARKWAY SUITE 120 LAKE MARY, FL 32746 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 2.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 29848 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $535 | — | $535 | 6.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2600 LAKE LUCIEN DRIVE, SUITE 330 MAITLAND, FL 32751 | EYEMED VISION CARE | $339 | — | $339 | 3.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | EYEMED VISION CARE | $85 | — | $85 | 0.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $182 | — | $182 | 6.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $110 | — | $110 | 3.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 2412 DAYTONA BEACH, FL 32115 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | — | $66 | $66 | 2.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 806 TYVOLA ROAD, SUITE 108 CHARLOTTE, NC 28290 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | — | $33 | $33 | 1.18% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 67 | $675K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 137 | $58K |
| Vision | EYEMED VISION CARE | 75 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 137 | $55K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 137 | $55K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 137 | $55K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 67 | $675K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 137 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.