| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 1450 BRICKELL AVE, STE 1600 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $49K | $3K | $52K | 15.79% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | BENEFITS TECHNOLOGIES 2300 NW CORPORATE BLVD, STE 215 BOCA RATON, FL 33431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 12.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | PO BOX 904037 CHARLOTTE, NC 28290 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 7.31% |
| ANA MARIA LEON3 Filed as: ANA B. HEDMAN | 10885 NW 7TH ST, STE 23 MIAMI, FL 33172 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.43% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50 TR., STE 300 MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.50% |
| ALFRED RIETKERK3 Filed as: ALFRED C. RIETKERK | 7900 MIAMI LAKES DR, STE 302 MIAMI, FL 33016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.04% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: HRH WILLIS OF FLORIDA INC. | 1450 BRICKELL AVE, STE 1600 MIAMI, FL 331313451 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 9.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | 1450 BRICKELL AVE MIAMI, FL 33131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 5.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF SOUTH FLORIDA | PO BOX 450549 MIAMI, FL 33145 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $348 | — | $348 | 8.00% |
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 | 590 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 148 | $25K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $77K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 590 | $329K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 590 | $329K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 590 | $329K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 590 | $490K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.