| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M.E. WILSON COMPANY, LLC3 Filed as: ME WILSON, LLC | 300 W. PLATT ST TAMPA, FL 33601 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $164K | $3K | $168K | 21.04% |
| M.E. WILSON COMPANY, LLC3 | 300 W PLATT ST #200 TAMPA, FL 33606 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | $6K | $39K | 12.78% |
| JOHN MICHAEL GRUBBS3 | 3001 VIA PARMA ST PLANT CITY, FL 33566 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | — | $234 | 2.93% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 1.00% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 380 | $797K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $307K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $307K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $307K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $307K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $307K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.