| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | PO BOX 373 TAMPA, FL 33601 | BLUE CROSS BLUE SHIELD OF FLORIDA | $65K | — | $65K | 5.00% |
| LION'S SHARE HOLDING INC.3 Filed as: LION'S SHARE HOLDING INC | PO BOX 373 TAMPA, FL 33601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $26 | $7K | 9.97% |
| M.E. WILSON COMPANY, LLC3 Filed as: ME WILSON COMPANY LLC | 300 W PLATT ST TAMPA, FL 33606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| M.E. WILSON COMPANY, LLC3 Filed as: ME WILSON COMPANY LLC | 300 W PLATT ST TAMPA, FL 33606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| M.E. WILSON COMPANY, LLC3 Filed as: ME WILSON COMPANY LLC | 300 W PLATT ST TAMPA, FL 33606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $683 | — | $683 | 10.00% |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 217 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $73K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $73K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $32K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 211 | $29K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 217 | $1.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.