| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | PO BOX 904037 CHARLOTTE, NC 28290 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | PO BOX 904037 CHARLOTTE, NC 28290 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 7.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS. SERVICES OF CALIFORNIA | 1918 RIVERSIDE DR. LOS ANGELES, CA 90039 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | PO BOX 904037 CHARLOTTE, NC 28290 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | PO BOX 904037 CHARLOTTE, NC 28290 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | PO BOX 904037 CHARLOTTE, NC 28290 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 5.97% |
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 | 757 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 508 | $310K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,154 | $86K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 498 | $361K |
| Short-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 498 | $389K |
| Long-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 498 | $389K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 498 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,154 | — |
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.