| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | 29754 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $95K | $95K | 2.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29754 NETWORK PLACE CHICAGO, IL 606731297 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $65K | $65K | 1.42% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE MCCULLUGH | 14715 NE 95TH ST SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 11.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 214 N TRYON ST SUITE 2500 CHARLOTTE, NC 28202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 3.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | PO BOX 731739 DALLAS, TX 75373 | AETNA LIFE INSURANCE COMPANY | $19K | — | $19K | 6.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | 214 N TRYON STREET SUITE 2500 CHARLOTTE, NC 282022381 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 3.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 416672 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | — | $9K | $9K | 3.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 214 NORTH TRYON ST. SUITE 2500 CHARLOTTE, NC 28202 | HARTFORD LIFE AND ACCIDENT | $31K | — | $31K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 801 FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 29754 NETWORK PL CHICAGO, IL 606731297 | VISION SERVICE PLAN | $4K | — | $4K | 10.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | 214 NORTH TRYON ST. CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | 214 NORTH TRYON ST CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $520 | — | $520 | 19.98% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 245 | $4.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 651 | $280K |
| Vision | VISION SERVICE PLAN | 243 | $37K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 277 | $205K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 277 | $205K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $531K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 651 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.