| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $185K | $65K | $250K | 1.35% |
| FORTENBERRY MCNAMARA, LLC3 Filed as: FORTENBERRY MCNAMARA LLC | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $80K | $90K | 0.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON US | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $174K | $87K | $261K | 1.43% |
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $80K | $80K | 0.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $142K | $70K | $212K | 1.49% |
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $80K | $80K | 0.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MA LLC | 333 ELM ST STE 300 DEDHAM, MA 020264550 | UNITED HEALTH CARE INSURANCE COMPANY | $502K | — | $502K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1.0M | — | $1.0M | 25.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $708K | — | $708K | 25.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $494K | — | $494K | 25.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $3K | $11K | 1.23% |
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6K | $6K | 0.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $6K | 1.18% |
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 0.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN PACIFIC INS. SERVICES | 700 BISHOP ST., STE. 1400 HONOLULU, HI 96813 | DELTA DENTAL HAWAII DENTAL SERVICE | $4K | — | $4K | 1.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | COMMISSION LOCKBOCK 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | $1K | $5K | 1.26% |
| FORTENBERRY MCNAMARA, LLC3 | PO BOX 16566 JACKSON, MS 39236 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $3K | $3K | 0.71% |
| FORTENBERRY MCNAMARA, LLC3 | 1640 LELIA DR STE 220 JACKSON, MS 39216 | GENWORTH LIFE INSURANCE COMPANY | $9K | — | $9K | 6.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRE, LA 70009 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 4.73% |
| EXECUTIVE INSURANCE ADVISORS LLC3 Filed as: EXECUTIVE INSURANCE AGENCY | 130 SPRINGSIDE DR. SUITE 300 AKRON, OH 44333 | GENWORTH LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $20.6M |
| BLUE CROSS BLUE SHIELD OF MASSACHUS EIN 04-1045815 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $3.2M |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $2.8M |
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 | 58,263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 548 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 58,811 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 9 carriers) | SELECTHEALTH | 7,220 | $81.5M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 18,630 | $6.1M |
| Vision | UNITED HEALTH CARE INSURANCE COMPANY | 41,996 | $5.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 58,623 | $18.3M |
| Short-term disability(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 28,995 | $26.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 58,263 | $14.2M |
| Prescription drug(8 contracts, 7 carriers) | SELECTHEALTH | 4,445 | $79.4M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 58,263 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 58,623 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.