| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 3000 BAYPORT DR TAMPA, FL 33607 | COVENTRY HEALTH CARE OF FLORIDA INC. | $71K | — | $71K | 4.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 BOY SCOUT BLVD, STE 1000 TAMPA, FL 33607 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $17K | — | $17K | 7.99% |
| THE SOUTHERN REGION LLC3 | 6151 LAKE OSPREY DR, 3RD FL SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $10K | — | $10K | 4.99% |
| FINANCIAL GROUP LLC3 Filed as: FINANCIAL LLC | 950 PENINSULA CORP CR STE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $10K | — | $10K | 4.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 29848 NETWORK PL CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $2K | $20K | 19.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 1450 BRICKELL AVE, STE 1600 MIAMI, FL 33131 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.22% |
| DWIGHT L PIERCE3 | 7325 S FULTON AVE TULSA, OK 74136 | TRUSTMARK INSURANCE COMPANY | $15K | — | $15K | 19.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA MIAMI | 4211 WEST BOY SCOUT DR, STE 1000 TAMPA, FL 33607 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 9.65% |
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 | 327 | 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) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COVENTRY HEALTH CARE OF FLORIDA INC. | 276 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $91K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 327 | $103K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 327 | $103K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 327 | $103K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 327 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.