| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | 1500 MARKET STREET PHILADELPHIA, PA 19102 | GUARDIAN | $42K | $0 | $42K | 9.40% |
| EXPLAIN MY BENEFITS LLC3 | 2461 WEST SR 426, SUITE 2021 OVIEDO, FL 32765 | GUARDIAN | $36K | $0 | $36K | 7.95% |
| UNKNOWN3 | UNKNOWN SANFORD, FL 32771 | GUARDIAN | $0 | $5K | $5K | 1.04% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | GUARDIAN | $4K | $0 | $4K | 0.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 3407 WEST DR. MARTIN LUTHER KING SUITE 200 TAMPA, FL 33607 | GUARDIAN | $4K | $0 | $4K | 0.88% |
| EXPLAIN MY BENEFITS LLC3 | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 40.89% |
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 | 570 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 570 | $449K |
| Vision | GUARDIAN | 570 | $449K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 570 | $481K |
| Short-term disability | GUARDIAN | 570 | $449K |
| Long-term disability | GUARDIAN | 570 | $449K |
| Other | GUARDIAN | 570 | $449K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 570 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.