| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM TAYLOR3 | COMBINED INSURANCE SERVICES 1701 NE 42ND AVE #200 OCALA, FL 34470 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 4.00% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY INC. | 300 W PLATT ST STE 200 TAMPA, FL 33606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $589 | $9K | 11.55% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY INC. | 300 W PLATT ST STE 200 TAMPA, FL 33606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 1.50% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY INC. | 300 W PLATT ST STE 200 TAMPA, FL 33606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $839 | $42 | $881 | 15.74% |
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 | 231 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $84K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $94K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $79K |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 231 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.