| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY LLC | — | CIGNA | $53K | $2K | $56K | 12.39% |
| M.E. WILSON COMPANY, LLC3 Filed as: ME WILSON COMPANY LLC | 300 W PLATT STREET TAMPA, FL 33606 | HUMANA | $3K | — | $3K | 7.72% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | HUMANA | — | $401 | $401 | 0.97% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS-SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $107 | $5K | 18.31% |
| M.E. WILSON COMPANY, LLC3 Filed as: ME WILSON | PO BOX 373 TAMPA, FL 33601 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $30 | $2K | 15.19% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $801 | $320 | $1K | 7.00% |
| M.E. WILSON COMPANY, LLC3 Filed as: ME WILSON | PO BOX 373 TAMPA, FL 33601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19 | $19 | 1.33% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 123 | $448K |
| Dental | HUMANA | 77 | $41K |
| Vision | HUMANA | 77 | $41K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $17K |
| Prescription drug | CIGNA | 123 | $448K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 149 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.