| 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 | HEALTH OPTIONS, INC | $49K | — | $49K | 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 | $7K | — | $7K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 WEST BOY SCOUT DRIVE SUITE 1000 TAMPA BAY, FL 33607 | HUMANA INSURANCE COMPANY | $3K | $189 | $3K | 6.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 1450 BRICKELL AVENUE SUITE 1600 MIAMI, FL 33131 | HUMANA INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 300 COLONIAL CENTER PARKWAY SUITE 120 LAKE MARY, FL 32746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $72 | $3K | 10.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $92 | $5K | 19.87% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 4.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BLVD STE 1000 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | — | $316 | $316 | 1.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $203 | $2K | 10.90% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $157 | $2K | 10.90% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $875 | $875 | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $121 | $1K | 10.95% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $638 | $638 | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $92 | $2K | 20.20% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $455 | $455 | 4.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BLVD STE 1000 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | — | $123 | $123 | 1.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 WEST BOY SCOUT DRIVE SUITE 1000 TAMPA BAY, FL 33607 | COMPBENEFITS COMPANY | $393 | $52 | $445 | 6.70% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 98 | $931K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 0 | $54K |
| Vision | HUMANA INSURANCE COMPANY | 0 | $47K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $13K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 72 | $22K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 49 | $46K |
| Prescription drug | HEALTH OPTIONS, INC | 98 | $814K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 78 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.