| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS | 920 MEMORIAL CITY WAY SUITE 500 HOUSTON, TX 77024 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | $28K | — | $28K | 1.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 4250 EXECUTIVE SQUARE SUITE 250 LA JOLLA, CA 92037 | AETNA LIFE INSURANCE CO. | $79K | — | $79K | 7.50% |
| WILLINS INS SVCS OF CA INC3 | 100485 BANC ONE DEPT 100485 PASADENA, CA 91189 | AETNA LIFE INSURANCE CO. | $38K | — | $38K | 3.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | 29848 NETWORK PL CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN INC. | $14K | — | $14K | 3.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | 29848 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $2K | — | $2K | 1.63% |
| DAVID D HOWES3 | 2461 W STATE RD 426 STE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4211 W BOY SCOUT BLVD SUITE 1000 TAMPA, FL 33607 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.08% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.38% |
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 | 1,879 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | 152 | $1.9M |
| Dental | AETNA LIFE INSURANCE CO. | 1,960 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,913 | $148K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,960 | $1.1M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 1,960 | $1.1M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,960 | $1.1M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,960 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,960 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.