| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 7800 BELFORT PKWY JACKSONVILLE, FL 32256 | UNITED HEALTHCARE INSURANCE COMPANY | $262K | — | $262K | 3.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 7800 BELFORT PKWY JACKSONVILLE, FL 32256 | DELTA DENTAL OF CALIFORNIA | $60K | — | $60K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 7800 BELFORT PKWY JACKSONVILLE, FL 32256 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $1K | $16K | 10.76% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 7800 BELFORT PKWY JACKSONVILLE, FL 32256 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $700 | $9K | 10.94% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 7800 BELFORT PKWY JACKSONVILLE, FL 32256 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $984 | $15K | 19.17% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 4.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 7800 BELFORT PKWY JACKSONVILLE, FL 32256 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $531 | $10K | 15.84% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 7800 BELFORT PKWY JACKSONVILLE, FL 32256 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $780 | $12K | 19.14% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 4.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 7800 BELFORT PKWY JACKSONVILLE, FL 32256 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $413 | $31 | $444 | 10.75% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $206 | $206 | 4.99% |
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 | 1,378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 858 | $7.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 726 | $602K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,178 | $151K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,378 | $85K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,378 | $63K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,378 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,178 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.