| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $73K | — | $73K | 8.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | — | STANDARD INSURANCE COMPANY | $56K | — | $56K | 15.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | — | STANDARD INSURANCE COMPANY | $5K | — | $5K | 1.48% |
| WILLIS TOWERS WATSON US LLC0 Filed as: WILLIS OF FLORIDA INC | — | STANDARD INSURANCE COMPANY | $30K | — | $30K | 15.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | — | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | — | STANDARD INSURANCE COMPANY | $16K | — | $16K | 15.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | — | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PLACE CHICAGO, IL 606731298 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 10.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | P O BOX 173086 TAMPA, FL 336721086 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.64% |
| BROKERSUITE INC3 | 124 WASHINGTON STREET, STE 302 FOXBORO, MA 02035 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $473 | — | $473 | 0.99% |
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 | 479 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 867 | $876K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 867 | $876K |
| Life insurance | STANDARD INSURANCE COMPANY | 658 | $100K |
| Short-term disability | STANDARD INSURANCE COMPANY | 355 | $192K |
| Long-term disability | STANDARD INSURANCE COMPANY | 230 | $349K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 867 | $876K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 658 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 867 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.