| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA | 375 E. WARM SPRINGS ROAD LAS VEGAS, NV 89119 | UNITED HEALTHCARE INSURANCE COMPANY | $138K | — | $138K | 1.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | UNITED HEALTHCARE INSURANCE COMPANY | $137K | — | $137K | 1.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | 4880 W. NEWBERRY ROAD GAINSVILLE, FL 32607 | UNITED HEALTHCARE INSURANCE COMPANY | $49K | $12K | $62K | 0.75% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF FLORIDA | 4880 W. NEWBERRY ROAD GAINSVILLE, FL 32607 | DELTA DENTAL OF CALIFORNIA | $30K | — | $30K | 5.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | DELTA DENTAL OF CALIFORNIA | $29K | — | $29K | 4.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4880 W. NEWBERRY ROAD GAINSVILLE, FL 32607 | HM LIFE INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET BUFFALO, NY 14204 | HM LIFE INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 29848 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $13K | 11.35% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 3.71% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4880 W. NEWBERRY ROAD GAINSVILLE, FL 32607 | METROPOLITAN LIFE INSURANCE COMPANY | $36 | $310 | $346 | 0.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 29848 NETWORK PLACE JACKSONVILLE, FL 32256 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $900 | $7K | 11.38% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 3.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4880 W. NEWBERRY ROAD GAINSVILLE, FL 32607 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $438 | $3K | 4.48% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 29848 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $658 | $9K | 16.19% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 3.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 29848 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $203 | $44 | $247 | 12.17% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $60 | $60 | 2.96% |
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 | 1,687 | 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) | 1,692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 921 | $8.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 743 | $594K |
| Vision | HM LIFE INSURANCE COMPANY | 651 | $182K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,687 | $112K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 256 | $65K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 219 | $55K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,687 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,687 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.