| 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 | — | $75K | $75K | 5.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | 1450 BRICKELL AVENUE SUITE 1600 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $92 | $18K | 11.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BLVD STE 1000 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.82% |
| MULTIPLE AGENTS*3 Filed as: MULTIPLE AGENTS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $5K | $241 | $5K | 12.28% |
| 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 | $595 | — | $595 | 9.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BLVD STE 1000 TAMPA, FL 33607 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $119 | $119 | 1.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | 1450 BRICKELL AVENUE SUITE 1600 MIAMI, FL 33131 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $36 | — | $36 | 9.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BLVD STE 1000 TAMPA, FL 33607 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $7 | $7 | 1.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | 1450 BRICKELL AVENUE SUITE 1600 MIAMI, FL 33131 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $27 | — | $27 | 8.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BLVD STE 1000 TAMPA, FL 33607 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $5 | $5 | 1.58% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $1.3M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $173K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $166K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 54 | $210K |
| Short-term disability | AFLAC | 54 | $45K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $166K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $1.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 54 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54 | — |
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.