| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 NORTH TRYON STREET, SUITE 2500 CHARLOTTE, NC 28202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $47K | — | $47K | 4.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 NORTH TRYON STREET, SUITE 2500 CHARLOTTE, NC 28202 | KAISER FOUNDATION HEALTH PLAN INC | $28K | — | $28K | 3.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 301 SOUTH TRYON STREET, SUITE 2600 CHARLOTTE, NC 28282 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $36K | $10K | $46K | 7.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 29754 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $12K | — | $12K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 NORTH TRYON STREET, SUITE 2500 CHARLOTTE, NC 28202 | METROPOLITAN LIFE INSURANCE COMPANY | $780 | $42 | $822 | 15.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | PO BOX 31817 CHARLOTTE, NC 28231 | METROPOLITAN LIFE INSURANCE COMPANY | — | $94 | $94 | 1.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 NORTH TRYON STREET, SUITE 2500 CHARLOTTE, NC 28202 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $852 | $32 | $884 | 20.76% |
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 | 1,630 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,630 | $870K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,444 | $1.2M |
| Vision | VISION SERVICE PLAN | 998 | $122K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,606 | $647K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,606 | $647K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 163 | $865K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,630 | $651K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,630 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.