| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | $2K | $50K | 15.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | PO BOX 904037 CHARLOTTE, NC 28290 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 4.42% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | 2300 NW CORPORATE BOULEVARD SUITE 215 BOCA RATON, FL 33431 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.62% |
| ANA MARIA LEON3 Filed as: ANA B. HEDMAN | 10885 NW 7TH STREET, SUITE 23 MIAMI, FL 33172 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| ALFRED RIETKERK3 Filed as: ALFRED C. RIETKERK | UNKNOWN MIAMI, FL 33178 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.86% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SW 50 TERRACE, SUITE 300 MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.83% |
| MARTA M SASTRE3 Filed as: MARTA M. SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $452 | — | $452 | 0.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 9.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 1450 BRICKELL AVENUE, SUITE 1600 MIAMI, FL 33131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $870 | — | $870 | 5.49% |
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 | 535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 81 | $16K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,122 | $80K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 535 | $445K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 535 | $319K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 535 | $319K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 535 | $445K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,122 | — |
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.