| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 200 LIBERTY STREET NEW YORK, NY 10281 | HEALTH OPTIONS, INC | $45K | — | $45K | 5.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 200 LIBERTY STREET NEW YORK, NY 10281 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | — | $25K | 5.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 200 LIBERTY STREET NEW YORK, NY 102810095 | FLORIDA COMBINED LIFE | $25K | — | $25K | 14.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 1450 BRICKELL AVE STE 1600 MIAMI, FL 331313451 | FLORIDA COMBINED LIFE | -$7K | — | -$7K | -4.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST 6TH FL NEW YORK, NY 10281 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 9.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 525 MARKET ST SUITE 3400 SAN FRANCISCO, CA 94105 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $828 | $828 | 0.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 200 LIBERTY ST NEW YORK, NY 10281 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 8.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY ST, FL. 6 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $256 | $4K | 33.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY ST, FL. 6 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $186 | $3K | 26.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 200 LIBERTY STREET NEW YORK, NY 10281 | FLORIDA COMBINED LIFE | $333 | — | $333 | 9.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4557 NEW YORK, NY 10249 | METLIFE LEGAL PLANS OF FLORIDA | $130 | $51 | $181 | 9.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET 1 WORLD FINANCIAL CENTER, 6TH FLOOR NEW YORK, NY 10281 | METLIFE LEGAL PLANS OF FLORIDA | $61 | — | $61 | 3.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4557 NEW YORK, NY 10249 | METROPOLITAN GENERAL INSURANCE COMPANY | $17 | — | $17 | 5.06% |
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 | 493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 103 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 110 | $1.3M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 223 | $173K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 163 | $15K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 613 | $102K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 613 | $102K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 613 | $102K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 29 | $448K |
| Other(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 613 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 613 | — |
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.