| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BLVD STE 1000 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 10.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | 1450 BRICKELL AVENUE STE 1600 MIAMI, FL 33131 | AETNA LIFE INSURANCE CO. | $10K | $369 | $10K | 10.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA - TAMPA FL | 29848 NETWORK PLACE CHICAGO, IL 28290 | EYE MED | $2K | — | $2K | 10.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Claims processing; Float revenue; Direct payment from the plan; Other fees Service code 12 | — | $376K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $170K |
| AETNA LIFE INSURANCE EIN 06-6033492 CLAIMS PROCESSING | Claims processing Service code 12 | 4300 CENTREWAY PLACE ARLINGTON, TX 76018 | $0 |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYE MED | 233 | $20K |
| Life insurance | AETNA LIFE INSURANCE CO. | 619 | $97K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 619 | $97K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 619 | $97K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 269 | $220K |
| Other | AETNA LIFE INSURANCE CO. | 619 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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.