| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.06% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $475K | — | $475K | 24.99% |
| LARSON INSURANCE GROUP3 | 1497 MAIN ST #307 DUNEDIN, FL 346984612 | HARTFORD LIFE AND ACCIDENT | $68K | — | $68K | 5.50% |
| LARSON INSURANCE GROUP3 | 1497 MAIN ST #307 DUNEDIN, FL 346984612 | METROPOLITAN LIFE INSURANCE COMPANY | $87K | $15K | $102K | 22.90% |
| WILLARD R. LARSON3 | 1497 MAIN ST #307 DUNEDIN, FL 346984612 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $15K | $18K | 4.12% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS OF FLORIDA | $45K | $7K | $53K | 12.78% |
| LARSON INSURANCE GROUP3 Filed as: LARSON INSURANCE | 1497 MAIN ST #307 DUNEDIN, FL 346984612 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 6.77% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | — | $4K | — |
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 | 27,984 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,070 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 22,328 | $9.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 34,333 | $2.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 78 | $443K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 649 | $1.3M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 6,776 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,333 | — |
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."
No prospect flags tripped on this filing.