| 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 CHARLOTTE, NC 28282 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $354K | — | $354K | 0.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | ASHLEY BAILEY REG ACCT. COORDINATOR CHARLOTTE, NC 28290 | DELTA DENTAL OF NORTH CAROLINA | $44K | — | $44K | 1.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 SOUTH TRYON STREET CHARLOTTE, NC 28282 | DELTA DENTAL OF NORTH CAROLINA | $21K | — | $21K | 0.65% |
| 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 | $256K | — | $256K | 8.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 29754 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $8K | — | $8K | 1.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 25.00% |
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 | 4,136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 7,716 | $51.7M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 8,601 | $3.3M |
| Vision | VISION SERVICE PLAN | 3,362 | $564K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,731 | $3.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,731 | $3.0M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 7,716 | $51.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,731 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,601 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.