| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 5 CONCOURSE PARKWAY NE 18TH FL ATLANTA, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $90K | $90K | 2.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA INC | 5 CONCOURSE PKWY STE 1800 ATLANTA, GA 30328 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 4.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 5 CONCOURSE CORPORATE CENTER ATLANTA, GA 30328 | HARTFORD LIFE AND ACCIDENT | $21K | — | $21K | 11.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST PO BOX 101162 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 2.74% |
| KUVEKE BENEFITS LLC3 | 15311 DEVON GREEN LN NAPLES, FL 34110 | HARTFORD LIFE AND ACCIDENT | -$4 | — | -$4 | -0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 5 CONCOURSE PKWY NE 18TH FL ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $311 | $25K | 20.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 5 CONCOURSE PARKWAY 18TH FL ATLANTA, GA 30328 | HARTFORD LIFE AND ACCIDENT | $508 | $71 | $579 | 17.08% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 361 | $3.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 612 | $617K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 612 | $617K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 221 | $187K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 221 | $187K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 221 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 612 | — |
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.