| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MULTIPLE AGENTS*3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $42K | $3K | $45K | 19.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 1450 BRICKELL AVE SUITE 1600 TAMPA, FL 33607 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA, LLC | 4880 NEWBERRY RD STE 180 GAINESVILLE, FL 32607 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 4.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 801 S FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4880 W NEWBERRY RD STE 100 GAINESVILLE, FL 32607 | UNION SECURITY INSURANCE COMPANY | $8K | $121 | $8K | 6.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: HRH - WILLIS OF FLORIDA INC | 4880 W NEWBERRY RD STE 100 GAINESVILLE, FL 32607 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.81% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF FLORIDA LLC | 300 COLONIAL CENTER PKWY STE 27 LAKE MARY, FL 32746 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 4.18% |
| STEVE BAKER3 | 153 ESTHER DR COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 30.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $252K |
| ASSURED PARTNERS OF FLORIDA LLC EIN 30-0720060 BROKER | Other commissions Service code 55 | — | $0 |
| HRH - WILLIS OF FLORIDA, INC. EIN 65-0544419 BROKER | Other commissions Service code 55 | — | $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 | 515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 306 | $114K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 325 | $34K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 675 | $206K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 675 | $206K |
| Other(3 contracts, 3 carriers) | AFLAC | 675 | $441K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 675 | — |
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.