| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | 214 N. TRYON STREET SUITE 2500 CHARLOTTE, NC 28202 | AMERITAS LIFE INSURANCE COMPANY | $34K | — | $34K | 3.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | HEARST TOWER 214 N TRYON ST STE 2500 CHARLOTTE, NC 282022381 | AMERITAS LIFE INSURANCE COMPANY | $3K | $17K | $20K | 2.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 31817 CHARLOTTE, NC 28231 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $85K | — | $85K | 10.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 31817 CHARLOTTE, NC 28231 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $0 | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 31817 CHARLOTTE, NC 28231 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $0 | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | 29754 NETWORK PL CHICAGO, IL 606731297 | RELIASTAR LIFE INSURANCE COMPANY | $58K | — | $58K | 21.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 214 N TRYON ST SUITE 2500 CHARLOTTE, NC 282022381 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 1.52% |
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 | 2,200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE COMPANY | 3,291 | $862K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 3,291 | $862K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,453 | $808K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,448 | $408K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,412 | $344K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 648 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,291 | — |
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.