| 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 | AMERITAS LIFE INSURANCE CORPORATION | $53K | $25K | $78K | 6.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 N. TRYON STREET SUITE 2500 CHARLOTTE, NC 28202 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $82K | $12K | $94K | 12.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 NORTH TYRON STREET SUITE 2500 CHARLOTTE, NC 28202 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $10K | $10K | 1.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 NORTH TRYON STREET, SUITE 2500 CHARLOTTE, NC 28202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $222 | $4K | 4.35% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $921 | — | $921 | 0.96% |
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 | 2,922 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,923 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 4,171 | $1.3M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 4,171 | $1.3M |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,870 | $765K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,755 | $749K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,755 | $749K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 2 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,171 | — |
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.