| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | 300 W PLATT STREET TAMPA, FL 33606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.58% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | 300 W PLATT ST TAMPA, FL 33606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 10 INVERNESS CENTER PARKWAY STE 400 BIRMINGHAM, AL 35242 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.34% |
| PHILIP RUGGIERI3 Filed as: PHILIP REIBMAN | 9823 BRANCHWATER AVENUE CHARLOTTE, NC 28277 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 27.58% |
| ROSE G MCLAUGHLIN3 | 337 COUNTRY CLUB DR NAPLES, FL 34110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 14.63% |
| MATTHEW G BURNSIDE3 | 8510 MCALPINE PARK DR. STE 208 CHARLOTTE, NC 282116250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $747 | — | $747 | 3.71% |
| LAURA ANNE CALARCO3 Filed as: LAURA ANNE DAVIDSON | 2201 MAJESTIC COURT S NAPLES, FL 34110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $514 | — | $514 | 2.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANE COMP EIN 59-1031071 NONE | Float revenue; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Participant communication; Contract Administrator; Other services; Claims processing Service code 12 | — | $39K |
| CIGAN | Claims processing; Contract Administrator; Float revenue; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan; Other services Service code 12 | — | $0 |
| CIGNA | Non-monetary compensation; Claims processing; Contract Administrator; Named fiduciary; Float revenue; Participant communication; Other services; Direct payment from the plan Service code 12 | — | $0 |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 396 | $551K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 310 | $336K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 310 | $336K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 310 | $336K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 310 | $356K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 310 | $336K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 310 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.