| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARSON INSURANCE GROUP3 | 1497 MAIN ST #307 DUNEDIN, FL 346984612 | HARTFORD LIFE AND ACCIDENT | $57K | — | $57K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $172K | — | $172K | 17.35% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | 19495 BISCAYNE BLVD STE 300 AVENTURA, FL 33180 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$11K | — | -$11K | -1.11% |
| BENEPLACE, INC.3 Filed as: BENEPLACE LLC | 19495 BISCAYNE BLVD STE 300 AVENTURA, FL 33180 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $105K | — | $105K | 16.45% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31K | $648 | $31K | 4.94% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 0.79% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS OF FLORIDA | $46K | $5K | $51K | 10.22% |
| BENEPLACE, INC.3 Filed as: BENEPLACE | P.O. BOX 203550 AUSTIN, TX 78720 | METLIFE LEGAL PLANS OF FLORIDA | — | $382 | $382 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 1 UPPER POND RD BLDG F PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS OF FLORIDA | — | $28 | $28 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 0.80% |
| LARSON INSURANCE GROUP3 | 1497 MAIN ST #307 DUNEDIN, FL 346984612 | METROPOLITAN LIFE INSURANCE COMPANY | $80K | $14K | $94K | 22.17% |
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 | 23,609 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 283 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,892 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 20,891 | $8.2M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,927 | $425K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 16,008 | $2.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 573 | $1.1M |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 2,655 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,891 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.