| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 1450 BRICKELL AVE, STE 1600 MIAMI, FL 33131 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $56K | $56K | 5.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 1450 BRICKELL AVE, STE 1600 MIAMI, FL 33131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 9.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 1450 BRICKELL AVE, STE 1600 MIAMI, FL 33131 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $460 | $6K | 10.94% |
| MARIA C ORTIZ3 | 7400 SW 50 TR STE 300 MIAMI, FL 33155 | AFLAC | $3K | $9 | $3K | 8.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | PO BOX 904037 CHARLOTTE, NC 28290 | AFLAC | $1K | — | $1K | 2.59% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $734 | $9 | $743 | 1.85% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FT LAUDERDALE, FL 33308 | AFLAC | $266 | $9 | $275 | 0.68% |
| MARIROSY GONZALEZ3 Filed as: MARIROSY GONZALEZ & VARIOUS OTHERS | 2200 SW 4TH AVE MIAMI, FL 33129 | AFLAC | $119 | $41 | $160 | 0.40% |
| MARIA MARRERO3 | 8523 SW 74TH ST MIAMI, FL 33143 | AFLAC | $131 | — | $131 | 0.33% |
| JORGE F PENA3 Filed as: JORGE PENA | PO BOX 162956 MIAMI, FL 33116 | AFLAC | $93 | — | $93 | 0.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | PO BOX 904037 CHARLOTTE, NC 28290 | VISION SERVICE PLAN | $817 | — | $817 | 6.87% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 131 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 134 | $79K |
| Vision | VISION SERVICE PLAN | 144 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $57K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $57K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.