| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 25.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | PO BOX 31817 CHARLOTTE, NC 28231 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 2502 N ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $182 | — | $182 | 0.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 214 N TRYON STREET SUITE 2500 CHARLOTTE, NC 282022381 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 22.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | PO BOX 31817 CHARLOTTE, NC 282311817 | METROPOLITAN LIFE INSURANCE COMPANY | — | $688 | $688 | 1.81% |
| USI INSURANCE SERVICES LLC3 | 1715 N. WEST SHORE BLVD. SUITE 700 TAMPA, FL 336073922 | METROPOLITAN LIFE INSURANCE COMPANY | $103 | — | $103 | 0.27% |
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 | 898 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 900 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,304 | $91K |
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 900 | $521K |
| Short-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 900 | $521K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 900 | $521K |
| Other(3 contracts, 2 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 900 | $614K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,304 | — |
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."
No prospect flags tripped on this filing.