| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: HRH-WILLIS SERVICES OF GA INC | 5 CONCOURSE PKWY STE 1800 ATLANTA, GA 30328 | UNITED HEALTHCARE INSURANCE COMPANY | $125K | — | $125K | 3.02% |
| KUVEKE BENEFITS LLC3 | 15311 DEVON GREEN LN NAPLES, FL 34110 | UNITED HEALTHCARE INSURANCE COMPANY | $261 | — | $261 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GA | 5 CONCOURSE CORPORATION CENTER 18TH FL ATLANTA, GA 30328 | HARTFORD LIFE AND ACCIDENT | $21K | — | $21K | 12.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE OF CA | PO BOX 101162 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | — | $393 | $393 | 0.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 5 CONCOURSE PARKWAY NE 18TH FL ATLANTA, GA 30328 | HARTFORD LIFE AND ACCIDENT | $471 | — | $471 | 20.02% |
| PAUL KUVEKE3 | 15 RIVER ROAD STE 15B WILTON, CT 06897 | HARTFORD LIFE AND ACCIDENT | -$118 | — | -$118 | -5.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS SERVICES OF GEORGIA | 5 CONCOURSE PARKWAY NE 18TH FL ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 401.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS SERVICES OF GEORGIA | 29727 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 144.65% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 656 | $4.1M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 656 | $4.1M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 656 | $4.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 209 | $174K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 209 | $174K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 656 | $4.1M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 242 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.