| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | BLUE CROSS BLUE SHIELD OF FLORIDA | $108K | — | $108K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 4.70% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 0.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $42 | $6K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4211 WEST BOY SCOUT BOULEVARD SUITE 1000 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.79% |
| LOCKTON COMPANIES, LLC3 | 201 SOUTH BISCAYNE BOULEVARD SUITE 2850 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $476 | $52 | $528 | 0.45% |
| LESLIE BRERETON3 | 2125 NE 63RD COURT FORT LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $593 | — | $593 | 2.50% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $566 | — | $566 | 2.38% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES | 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $363 | — | $363 | 1.53% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE, INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.19% |
| AVERY INSURANCE INC3 Filed as: AVERY INSURANCE, INC. | UNKNOWN POMPANO BEACH, FL 33069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $4 | $44 | 0.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 29848 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $1K | — | $1K | 5.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | — | $2K | 10.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4211 WEST BOY SCOUT BOULEVARD SUITE 1000 TAMPA, FL 33607 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $276 | $276 | 1.80% |
| LOCKTON COMPANIES, LLC3 | 201 SOUTH BISCAYNE BOULEVARD SUITE 2850 MIAMI, FL 33131 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $128 | — | $128 | 0.84% |
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 | 324 | 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) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 261 | $3.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 284 | $134K |
| Vision | VISION SERVICE PLAN | 152 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 324 | $145K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 324 | $145K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 324 | $145K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 261 | $3.6M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 324 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.