| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA INC | CONCOURSE CORPORATE CTR FIVE FL 18 ATLANTA, GA 30328 | UNITED HEALTHCARE INSURANCE COMPANY | $73K | $4K | $77K | 5.64% |
| LASSITER WARE3 Filed as: LASSITER-WARE INC | 1317 CITIZENS BLVD LEESBURG, FL 34748 | UNITED HEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 2.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | PO BOX 905260 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | — | $10K | 3.92% |
| LASSITER WARE3 Filed as: LASSITER-WARE INC. | 1317 CITIZENS BLVD LEESBURG, FL 34748 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | — | $7K | 2.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | PO BOX 905260 CHARLOTTE, NC 28290 | UNITED CONCORDIA INSURANCE COMPANY | $9K | $1K | $10K | 11.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | PO BOX 905260 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $667 | $5K | 6.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | CONCOURSE CORPORATE CTR 5 FL 18 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $292 | $4K | 5.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GEOGIA | 5 CONCOURSE CORPORATE CNT 18TH FLOOR ATLANTA, GA 30328 | HOMETOWN HEALTH | $5K | — | $5K | 9.92% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 283 | $1.7M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 45 | $86K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $73K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $73K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $73K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.