| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 806 TYVOLA RD, STE 108 LB 905261 CHARLOTTE, NC 28217 | BLUE CROSS BLUE SHIELD OF FLORIDA | $26K | — | $26K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 806 TYVOLA RD, STE 108 LB 905261 CHARLOTTE, NC 28217 | BLUE CROSS BLUE SHIELD OF FLORIDA | $19K | — | $19K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 300 COLONIAL CENTER PKWY SUITE 120 LAKE MARY, FL 32746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 13.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 806 TYVOLA RD, STE 108 CHARLOTTE, NC 28217 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | — | $3K | $3K | 8.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PL CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $924 | $76 | $1K | 8.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PL CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $135 | $2K | 15.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | PO BOX 904037 CHARLOTTE, NC 28290 | ADVANTICA REINSURANCE COMPANY | $590 | — | $590 | 10.00% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 61 | $757K |
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 191 | $39K |
| Vision | ADVANTICA REINSURANCE COMPANY | 81 | $6K |
| Life insurance(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 191 | $50K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $58K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $58K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 61 | $438K |
| Other(3 contracts, 3 carriers) | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 191 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.