| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 265 BROOKVIEW CENTRE WAY KNOXVILLE, TN 37919 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $70K | — | $70K | 1.65% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | CONTINENTAL AMERICAN INSURANCE COMPANY | $274K | — | $274K | 20.93% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM WARDLAW, JR | 368 WEST PIKE ST STE 207 LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.35% |
| JAMES R HILL JR3 Filed as: JAMES R HILL, JR. | 7021 MARSEILL ES CT SUMMERFIELD, NC 27358 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.13% |
| ALFRED E DEVINE3 | 324 DEVINE WAY SILER CITY, NC 27344 | CONTINENTAL AMERICAN INSURANCE COMPANY | $793 | — | $793 | 0.06% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $336 | — | $336 | 0.03% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $271 | — | $271 | 0.02% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | PO BOX 202617 DALLAS, TX 753202617 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $91K | — | $91K | 9.99% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | LEGALPLANS USA | $38K | — | $38K | 10.00% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | 500 PLAZA DRIVE SECAUCUS, NJ 07096 | JOHN HANCOCK LIFE INSURANCE COMPANY | $25K | — | $25K | 10.03% |
| MASTER UNUM ENROLL3 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.01% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | 500 PLAZA DRIVE SECAUCUS, NJ 07096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $319 | — | $319 | 0.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - WINSTON SALEM | 1100 REYNOLDS BLVD, UCC WINSTON-SALEM, NC 27102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 0.25% |
| J DYE3 | 104 W. QUEEN ANN ROAD GREENVILLE, SC 29615 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.04% |
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 | 15,169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 613 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 6,448 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,022 | $449K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 24,188 | $907K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 15,169 | $4.2M |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 6,448 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,188 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.