| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4211 WEST BOY SCOUT BOULEVARD SUITE 1000 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $82K | $62K | $144K | 3.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 29848 NETWORK PLACE CHICAGO, IL 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $325K | $30K | $355K | 8.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORPORATION | 3000 BAYPORT DRIVE, SUITE 300 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $221K | $20K | $241K | 5.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 29848 NETWORK PLACE CHICAGO, IL 28290 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE CO. OF AMERICA | $114K | $0 | $114K | 10.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NE 14204 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE CO. OF AMERICA | $57K | $0 | $57K | 5.00% |
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 | 11,576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 21,509 | $4.4M |
| Vision | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE CO. OF AMERICA | 12,387 | $1.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,712 | $4.2M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,712 | $4.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,712 | $4.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,470 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,509 | — |
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.