| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GEORGIA INC | 1 GLENLAKE PKWY NE 11TH FL ATLANTA, GA 30328 | FLORIDA BLUE | $71K | — | $71K | 18.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF GA INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE CO | $14K | — | $14K | 8.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE CO | $3K | — | $3K | 1.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF GA INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $7K | — | $7K | 15.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $1K | — | $1K | 3.37% |
| THE CASON GROUP INC3 | 8317 SIX FORKS RD STE 201 RALEIGH, NC 27615 | UNUM LIFE INS CO OF AMERICA | $4K | — | $4K | 10.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INS CO OF AMERICA | $3K | — | $3K | 7.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | 2600 LAKE LUCIEN DR STE 330 MAITLAND, FL 32751 | UNUM LIFE INS CO OF AMERICA | $196 | — | $196 | 0.47% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INS CO OF AMERICA | $85 | — | $85 | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN HEADQUARTERS | P O BOX 2412 DAYTONA BEACH, FL 32115 | UNUM LIFE INS CO OF AMERICA | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GEORGIA INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INS CO | $5K | — | $5K | 12.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INS CO | $942 | — | $942 | 2.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF GA INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE CO | $4K | — | $4K | 12.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE CO | $917 | — | $917 | 2.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF GA INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE CO | $3K | — | $3K | 8.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE CO | $529 | — | $529 | 1.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF GA INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE CO | $2K | — | $2K | 12.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE CO | $516 | — | $516 | 2.63% |
| THE CASON GROUP INC3 | 8317 SIX FORKS RD STE 201 RALEIGH, NC 27615 | PROVIDENT LIFE AND ACCIDENT INS CO | $3K | — | $3K | 39.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INS CO | $708 | — | $708 | 9.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FL EIN 59-2015694 NONE | Contract Administrator Service code 13 | — | $265K |
| WILLIS INS SERVICES OF GA INC NONE | Contract Administrator Service code 13 | 1 GLENLAKE PKWY NE 11TH FL ATLANTA, GA 30328 | $106K |
| WILLIS TOWERS WATSON SOUTHEAST INC NONE | Contract Administrator Service code 13 | 29727 NETWORK PL CHICAGO, IL 60673 | $11K |
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 | 412 | 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) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FLORIDA BLUE | 353 | $393K |
| Dental | LINCOLN NATIONAL LIFE INSURANCE CO | 329 | $167K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE CO | 293 | $31K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INS CO OF AMERICA | 497 | $106K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 130 | $35K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 497 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 497 | — |
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.