| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 806 TYVOLA ROAD, SUITE 108 P. O. BOX 904037 CHARLOTTE, NC 282900001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $62K | $62K | 1.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 806 TYVOLA ROAD, SUITE 108 P. O. BOX 904037 CHARLOTTE, NC 282900001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $129K | $17K | $146K | 7.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PL CHICAGO, FL 606731293 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $129K | $11K | $140K | 7.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORPORATION | 3000 BAYPORT DRIVE SUITE 300 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | $5K | $45K | 2.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 3000 BAYPORT DR SUITE 300 TAMPA, FL 33607 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY/SUPERIOR VISION PLAN | $58K | — | $58K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORPORATION | 3000 BAYPORT DRIVE SUITE 300 TAMPA, FL 336078415 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $103K | $9K | $111K | 17.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67K | $8K | $75K | 12.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORPORATION | 3000 BAYPORT DRIVE SUITE 300 TAMPA, FL 33607 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $1K | $10K | 12.17% |
| UNITED BEHAVIORAL HEALTH DBA OPTUM3 | 425 MARKET STREET 14TH FLOOR SAN FRANCISCO, CA 94105 | UNITED BEHAVIORAL HEALTH DBA OPTUM | — | $298K | $298K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 N/A | Claims processing Service code 12 | 4800 DEERWOOD CAMPUS PARKWAY JACKSONVILLE, FL 32246 | $2.8M |
| OPTUMRX, INC. EIN 11-2581812 N/A | Claims processing Service code 12 | ATTN CORPORATE TAX MN008-T390 9900 BREN ROAD EAST MINNETONKA, MN 55343 | $31K |
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 | 7,536 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 12,960 | $3.8M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY/SUPERIOR VISION PLAN | 13,145 | $963K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,971 | $2.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,341 | $616K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,219 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,145 | — |
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.