| 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 | $31K | $0 | $31K | 6.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 9140 CORSEA DEL FONTANA WAY BLDG 110 STE 2 NAPLES, FL 34109 | HEALTH OPTIONS, INC. | $21K | $0 | $21K | 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 | $5K | $0 | $5K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 WEST BOY SCOUT DRIVE SUITE 1000 TAMPA BAY, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $75 | $5K | 7.79% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $879 | $61 | $940 | 1.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $274 | $274 | 0.43% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 9140 CORSEA DEL FONTANA WAY BLDG 110 STE 2 NAPLES, FL 34109 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | $0 | $3K | 6.00% |
| 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 | 4211 W BOY SCOUT BLVD STE 1000 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $128 | $1K | 5.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $851 | $61 | $912 | 3.62% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $855 | $855 | 3.39% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $261 | $0 | $261 | 1.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $73 | $73 | 0.29% |
| 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 | $0 | $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 | $0 | $875 | $875 | 5.00% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $391 | $391 | 4.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $326 | $61 | $387 | 4.82% |
| 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 | $98 | $47 | $145 | 1.80% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $115 | $0 | $115 | 1.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 WEST BOY SCOUT DRIVE SUITE 1000 TAMPA BAY, FL 33607 | SAFEGUARD HEALTH PLANS INC A FLORIDA CORPORATION | $582 | $6 | $588 | 8.37% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | SAFEGUARD HEALTH PLANS INC A FLORIDA CORPORATION | $286 | $0 | $286 | 4.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PL CHICAGO, IL 60673 | SAFEGUARD HEALTH PLANS INC A FLORIDA CORPORATION | $67 | $0 | $67 | 0.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BLVD NASHVILLE, TN 37214 | SAFEGUARD HEALTH PLANS INC A FLORIDA CORPORATION | $0 | $32 | $32 | 0.46% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | HEALTH OPTIONS, INC | 265 | $1.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $70K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $63K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $63K |
| 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 | 100 | $516K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.