| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 525 MARKET STREET, SUITE 3400 SAN FRANCISCO, CA 94105 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BLVD, STE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40K | $2K | $41K | 15.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BLVD, STE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | $1K | $31K | 15.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BLVD, STE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $657 | $15K | 15.68% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF FLORIDA INC | 7800 BELFORT PKWY SUITE 120 JACKSONVILLE, FL 32256 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF FLORIDA INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BLVD, STE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $38 | $2K | 24.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TN DBA WILLIS OF FLORIDA | 4211 W BOY SCOUT BLVD, STE 1000 TAMPA, FL 33607 | AMERICAN FIDELITY ASSURANCE COMPANY | $780 | — | $780 | 14.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF SOUTH CAROL EIN 59-2015694 NONE | Claims processing Service code 12 | P.O. BOX 100237 COLUMBIA, SC 29202 | $483K |
| WILLIS OF FLORIDA EIN 62-1404453 NONE | Contract Administrator Service code 13 | 300 BAYPORT DRIVE STE 300 TAMPA, FL 33607 | $91K |
| CIGNA FMLA EIN 23-1503749 NONE | Contract Administrator Service code 13 | P.O. BOX 16163 PITTSBURGH, PA 15242 | $11K |
| MEDCOM EIN 59-2316866 NONE | Legal Service code 29 | 1061 RIVERSIDE AVE. JACKSONVILLE, FL 32204 | $9K |
| AMERIFLEX EIN 27-2256926 NONE | Claims processing Service code 12 | 2508 HIGHLANDER WAY 200 CARROLLTON, TX 75006 | $8K |
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 | 941 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 947 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 539 | $205K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 484 | $266K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 626 | $97K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 809 | $920K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 355 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 809 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.