| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF FLORIDA, INC. | 4211 WEST BOY SCOUT BLVD. SUITE 100 TAMPA, FL 33607 | HUMANA | $23K | — | $23K | 5.00% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS INS SERVICES OF GA INC | 1 GLENLAKE PKWY 11TH FL ATLANTA, GA 30328 | HUMANA | $3K | — | $3K | 0.68% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF FLORIDA, INC. | 4211 WEST BOY SCOUT BLVD. SUITE 100 TAMPA, FL 33607 | HUMANA | $779 | — | $779 | 0.17% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF FLORIDA, INC. | P.O. BOX 904037 CHARLOTTE, NC 28290 | AIG | $14K | — | $14K | 5.00% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF TENNESSEE INC | 1401 BRICKELL AVE., SUITE 1110 MIAMI, FL 33131 | SYMETRA | $13K | $3K | $16K | 6.03% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF FLORIDA, INC. | 29848 NETWORK PLACE CHICAGO, IL 28290 | EYEMED | $2K | — | $2K | 3.20% |
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 | 963 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA | 758 | $461K |
| Vision | EYEMED | 715 | $64K |
| Life insurance(2 contracts, 2 carriers) | AIG | 1,151 | $538K |
| Long-term disability(2 contracts, 2 carriers) | AIG | 1,151 | $538K |
| Other(2 contracts) | ICUBA | 963 | $35.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,151 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.