| 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, SUITE 1000 P. O. BOX 904037 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $86K | $90K | $176K | 3.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4211 W BOY SCOUT BLVD, SUITE 1000 P. O. BOX 904037 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 29848 NETWORK PL CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $284K | $24K | $307K | 10.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORPORATION | 3000 BAYPORT DRIVE SUITE 300 TAMPA, FL 336078415 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62K | $371 | $63K | 2.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA - TAMPA FL | 29848 NETWORK PLACE CHICAGO, IL 28290 | COMBINED INSURANCE COMPANY OF AMERICA (EYEMED VISION CARE) | $109K | — | $109K | 9.14% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION - EXCHANGE | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | COMBINED INSURANCE COMPANY OF AMERICA (EYEMED VISION CARE) | — | $55K | $55K | 4.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORPORATION | 3000 BAYPORT DRIVE SUITE 300 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $136K | $681 | $136K | 13.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PL CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | $7K | $61K | 9.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORPORATION | 3000 BAYPORT DRIVE SUITE 300 TAMPA, FL 33607 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $81 | $9K | 10.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA - TAMPA, FL | 29848 NETWORK PLACE CHICAGO, IL 28290 | COMBINED INSURANCE COMPANY OF AMERICA (EYE MED VISION CARE) | $87 | — | $87 | 5.47% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION - EXCHANGE | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | COMBINED INSURANCE COMPANY OF AMERICA (EYE MED VISION CARE) | — | $43 | $43 | 2.70% |
| UNITED BEHAVORIAL HEALTH DBA OPTUM3 | 425 MARKET STREET 14TH FLOOR SAN FRANCISCO, CA 94105 | UNITED BEHAVORIAL HEALTH DBA OPTUM | — | $325K | $325K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 N/A | Claims processing Service code 12 | 450 RIVERCHASE PARKWAY EAST P. O. BOX 995 BIRMINGHAM, AL 352980001 | $2.7M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 N/A | Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $998K |
| OPTUM RX PBM OF ILLINOIS, INC. EIN 11-2581812 N/A | Claims processing Service code 12 | CORPORATE TAX MN008-T390 9900 BREN ROAD EAST MINETONKA, MN 55343 | $43K |
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 | 8,380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 15,413 | $4.7M |
| Vision(2 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA (EYEMED VISION CARE) | 12,731 | $1.2M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14,473 | $3.9M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,467 | $651K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14,473 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,413 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.