| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | PO BOX 904037 CHARLOTTE, NC 28290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $110K | — | $110K | 7.41% |
| GRAVITY BENEFITS INC3 Filed as: GRAVITY BENEFITS, INC. | 26701 DUBLIN WOODS CIR 2ND FLOOR BONITA SPGS, FL 341357227 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | — | $37K | 2.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BLVD, STE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 0.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 1450 BRICKELL AVE, STE 1600 MIAMI, FL 33131 | COMPBENEFITS INSURANCE COMPANY | $10K | — | $10K | 13.52% |
| GRAVITY BENEFITS INC3 | 26701 DUBLIN WOODS CIR 2ND FLOOR BONITA SPGS, FL 341357227 | COMPBENEFITS INSURANCE COMPANY | $1K | — | $1K | 1.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF GA INC | 1 GLENLAKE PKWY 11TH FL ATLANTA, GA 30328 | COMPBENEFITS INSURANCE COMPANY | — | $769 | $769 | 1.01% |
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 | 1,197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,620 | $1.5M |
| Vision | COMPBENEFITS INSURANCE COMPANY | 646 | $76K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,197 | $1.0M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,197 | $1.0M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,197 | $1.0M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,620 | $1.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,197 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,620 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.