| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 1450 BRICKELL AVE, STE 1600 MIAMI, FL 33131 | BLUE CROSS BLUE SHIELD OF FLORIDA | $92K | — | $92K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 1450 BRIKELL AVE, STE 1600 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 5.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 1450 BRICKELL AVEM STE 1600 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 6.27% |
| LESLIE BRERETON3 | 2125 NE 63RD CT FT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $19 | $2K | 6.38% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $771 | $6 | $777 | 2.56% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES | 501 RIVERSIDE AVE JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $506 | — | $506 | 1.67% |
| AVERY INSURANCE INC3 Filed as: AVERY INS INC | UNKNOWN POMPANO BEACH, FL 33069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $20 | $140 | 0.46% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.19% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | PO BOX 904037 CHARLOTTE, NC 28290 | VISION SERVICE PLAN | $1K | — | $1K | 5.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 1450 BRICKELL AVE, STE 1600 MIAMI, FL 33131 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $2K | $283 | $2K | 10.82% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 6.67% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 3.89% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 282 | $3.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 173 | $135K |
| Vision | VISION SERVICE PLAN | 160 | $22K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $159K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $159K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $159K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 282 | $3.1M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.