| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 505115 ST LOUIS, MO 63150 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | $0 | $29K | 6.92% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $0 | $17K | 4.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | P.O. BOX 904037 CHARLOTTE, NC 282904037 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 505115 ST LOUIS, MO 63150 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $0 | $23K | 5.66% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $0 | $14K | 3.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | P.O. BOX 904037 CHARLOTTE, NC 28290 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 505115 ST LOUIS, MO 63150 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $0 | $14K | 5.72% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | P.O. BOX 904037 CHARLOTTE, NC 28290 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 5051115 ST LOUIS, MO 63150 | COMBINED INSURANCE COMPANY OF AMERICAN (EYEMED VISION CARE) | $9K | $0 | $9K | 6.28% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | COMBINED INSURANCE COMPANY OF AMERICAN (EYEMED VISION CARE) | $5K | $0 | $5K | 3.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | P.O. BOX 904037 CHARLOTTE, NC 282904037 | COMBINED INSURANCE COMPANY OF AMERICAN (EYEMED VISION CARE) | $1K | $0 | $1K | 0.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $833K |
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 CLAIM ADMINISTRATOR | Claims processing Service code 12 | — | $56K |
| FLORES AND ASSOCIATES EIN 56-1542307 FSA/COBRA ADMINSTRATOR | Contract Administrator; Plan Administrator; Claims processing Service code 12 | — | $49K |
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 | 1,946 | 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) | 1,946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMBINED INSURANCE COMPANY OF AMERICAN (EYEMED VISION CARE) | 2,789 | $146K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,946 | $416K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 853 | $398K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 672 | $245K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,946 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,789 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.