| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 14800 FRYE RD 2ND FL #731739 FORT WORTH, TX 76155 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $174K | — | $174K | 9.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 920 MEMORIAL CITY WAY #500 HOUSTON, TX 77024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 0.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TX (WILLIS TOWERS WATSON) | 920 MEMORIAL CITY WAY SUITE 500 HOUSTON, TX 77024 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG., INC. | $29K | — | $29K | 2.13% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $100K | — | $100K | 20.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 4211 W BOY SCOUT BLVD SUITE 1000 TAMPA, FL 33607 | TRANSAMERICA LIFE INSURANCE COMPANY | $49K | — | $49K | 10.13% |
| DAVID D HOWES3 | 2461 W STATE RD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $15K | — | $15K | 3.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | 29848 NETWORK PL CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN INC. | $17K | — | $17K | 3.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC | 29848 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $2K | — | $2K | 1.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF COLORADO, INC. | 62877 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $1K | — | $1K | 0.61% |
| 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. | $14K | $3K | $17K | 15.68% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | VISION SERVICE PLAN | $1K | — | $1K | 1.46% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $446 | — | $446 | 7.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 4211 W BOY SCOUT BLVD SUITE 1000 TAMPA, FL 33607 | TRANSAMERICA LIFE INSURANCE COMPANY | $289 | — | $289 | 5.05% |
| DAVID D HOWES3 | 2461 W STATE RD 426 STE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $228 | — | $228 | 3.99% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $59 | — | $59 | 25.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 4211 W BOY SCOUT BLVD SUITE 1000 TAMPA, FL 33607 | TRANSAMERICA LIFE INSURANCE COMPANY | $25 | — | $25 | 10.59% |
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 | 2,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,122 | 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. | 138 | $1.8M |
| Dental | AETNA LIFE INSURANCE CO. | 565 | $111K |
| Vision(4 contracts) | VISION SERVICE PLAN | 2,061 | $427K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,232 | $2.3M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,232 | $1.8M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,232 | $1.8M |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,232 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,232 | — |
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.