| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M.E. WILSON COMPANY, LLC3 | 300 W PLATT ST #200 TAMPA, FL 33606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $121K | $0 | $121K | 30.04% |
| CIGNA Filed as: CIGNA HEALTH AND LIFE INSURANCE COM | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $91K | $91K | 22.65% |
| M.E. WILSON COMPANY, LLC3 | 300 W PLATT ST #200 TAMPA, FL 33606 | UNION SECURITY INSURANCE COMPANY | $9K | $950 | $10K | 11.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NATIONAL FINANCIAL PARTNERS | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 600 AUSTIN, TX 78746 | UNION SECURITY INSURANCE COMPANY | $0 | $287 | $287 | 0.31% |
| M.E. WILSON COMPANY, LLC3 | 300 W PLATT ST #200 TAMPA, FL 33606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 11.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $682 | $682 | 0.92% |
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 | 180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 180 | $404K |
| Dental | UNION SECURITY INSURANCE COMPANY | 154 | $94K |
| Vision | UNION SECURITY INSURANCE COMPANY | 154 | $94K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $74K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $74K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $74K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
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.