| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MULTIPLE AGENTS*3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $45K | $3K | $48K | 20.37% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA, LLC | 4880 NEWBERRY RD STE 180 GAINESVILLE, FL 32607 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 11.42% |
| 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 | — | $792 | $792 | 0.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $130 | — | $130 | 0.06% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF FLORIDA LLC | 300 COLONIAL CENTER PKWY STE 270 LAKE MARY, FL 32746 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.02% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FLORIDA LLC | 8950 FONTANA DEL SOL WAY STE 300 NAPLES, FL 34109 | SUN LIFE ASSURANCE COMPANY OF CANADA | $518 | — | $518 | 4.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 4880 NEWBERRY RD STE 100 GAINESVILLE, FL 32607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $67 | — | $67 | 0.57% |
| STEVE BAKER3 | 153 ESTHER DR COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 33.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CAN EIN 38-1082080 STOP LOSS ADMIN | Claims processing; Contract Administrator Service code 12 | — | $482K |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $261K |
| ASSUREDPARTNERS OF FLORIDA, LLC BROKER | Other commissions Service code 55 | 8950 FONTANA DEL SOL WAY STE 300 NAPLES, FL 34109 | $53K |
| ASSURED PARTNERS OF FLORIDA, LLC EIN 30-0720060 BROKER | Other commissions Service code 55 | — | $35K |
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 | 461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 67 | $12K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 294 | $34K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 454 | $218K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 454 | $218K |
| Other(3 contracts, 3 carriers) | AFLAC | 454 | $459K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.