| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $50K | $50K | 1.38% |
| BUCK CONSULTANTS LLC3 | P.O. BOX 202617 DALLAS, TX 753202617 | CONTINENTAL AMERICAN INSURANCE COMPANY | $298K | — | $298K | 27.44% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM WARDLAW, JR | 368 WEST PIKE ST STE 207 LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.29% |
| JAMES R HILL JR3 Filed as: JAMES R HILL, JR. | 7021 MARSEILLES CT SUMMERFIELD, NC 27358 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.15% |
| ALFRED E DEVINE3 | 324 DEVINE WAY SILER CITY, NC 27344 | CONTINENTAL AMERICAN INSURANCE COMPANY | $820 | — | $820 | 0.08% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $252 | — | $252 | 0.02% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.00% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 753202617 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $91K | — | $91K | 9.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 0.99% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | P.O. BOX 202617 DALLAS, TX 753202617 | LEGALPLANS USA | $37K | — | $37K | 10.00% |
| BUCK CONSULTANTS LLC3 | DEPT CH 14061 PALATINE, IL 60055 | JOHN HANCOCK LIFE INSURANCE COMPANY | $27K | — | $27K | 9.95% |
| MASTER UNUM ENROLL3 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1100 REYNOLDS BLVD, UCC WINSTON-SALEM, NC 27102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $392 | — | $392 | 0.49% |
| J DYE3 | 104 W. QUEEN ANN ROAD GREENVILLE, SC 29615 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
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 | 14,123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 344 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 5,732 | $1.1M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 24,149 | $911K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 13,807 | $3.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 13,807 | $3.6M |
| Other(5 contracts, 5 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 5,732 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,149 | — |
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.