| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 9102 P.O. BOX 8500 PHILADELPHIA, PA 19178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 9.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAM | 5605 GLENRIDGE DR NE STE 300 ONE PREMIER PLZ ATLANTA, GA 30342 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 5.01% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY, INC. | 6300 BRIDGEPOINT PARKWAY BUILDING 3 #500 AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $24K | — | $24K | 17.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.86% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELWARE, INC. | LOCKBOX 9102 P.O. BOX 8500 PHILADELPHIA, PA 19178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 9.71% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAM | 5605 GLENRIDGE DR NE STE 300 ONE PREMIER PLZ ATLANTA, GA 30342 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.46% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 9102 P.O. BOX 8500 PHILADELPHIA, PA 19178 | EYEMED VISION CARE | $3K | — | $3K | 5.90% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELWARE, INC. | LOCKBOX 9102 P.O. BOX 8500 PHILADELPHIA, PA 19178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.49% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAM | 5605 GLENRIDGE DR NE STE 300 ONE PREMIER PLZ ATLANTA, GA 30342 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.38% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 9102 P.O. BOX 8500 PHILADELPHIA, PA 19178 | EYEMED VISION CARE | $376 | — | $376 | 5.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF GA | ONE PREMIER PLAZA 5605 GLENRIDGE ATLANTA, GA 30342 | EYEMED VISION CARE | $316 | — | $316 | 4.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS, INC. | ONE PREMIER PLAZA 5605 GLENRIDGE ATLANTA, GA 30342 | EYEMED VISION CARE | $79 | — | $79 | 5.51% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 9102 P.O. BOX 8500 PHILADELPHIA, PA 19178 | EYEMED VISION CARE | $53 | — | $53 | 3.70% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 9102 P.O. BOX 8500 PHILADELPHIA, PA 19178 | EYEMED VISION CARE | $5 | — | $5 | 3.27% |
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 | 787 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA LIFE INSURANCE COMPANY | 139 | $139K |
| Vision(4 contracts) | EYEMED VISION CARE | 784 | $59K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 787 | $213K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 787 | $120K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 787 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 787 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.