| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | PO BOX 101162 PASADENA, CA 911890485 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 3.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 905554 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $474 | $8K | 7.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | 29754 NETWORK PLACE SUITE 2500 CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29754 NETWORK PLACE SUITE 2500 CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 214 NORTH TRYON STREET SUITE 2500 CHARLOTTE, NC 28202 | UNUM INSURANCE COMPANY | $12K | $765 | $13K | 21.25% |
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 | 730 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 735 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 521 | $63K |
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 723 | $347K |
| Short-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 723 | $347K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 723 | $347K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 723 | $505K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 723 | — |
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.