| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF GEORGIA INC | CONCOURSE CORPORATE CTR FIVE FL18 ATLANTA, GA 30328 | UNITED HEALTHCARE INSURANCE COMPANY | — | $52K | $52K | 3.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 29727 NETWORK PL CHICAGO, IL 60638 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 11.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | LOCKBOX 905260 806 TYVOLA RD, SUITE 108 CHARLOTTE, NC 28217 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 12.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC. | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | ONE GLENLAKE PKWY SUITE 1100 ATLANTA, GA 30328 | METLIFE - DELAWARE AMERICAN LIFE INSURANCE COMPANY | $5K | — | $5K | 8.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | CONCOURSE CORPORATE CENTER FIVE 18TH FLOOR ATLANTA, GA 30328 | METLIFE - DELAWARE AMERICAN LIFE INSURANCE COMPANY | $457 | — | $457 | 0.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | LOCKBOX 905260 806 TYVOLA RD, STE 108 CHARLOTTE, NC 28217 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $268 | — | $268 | 1.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | CONCOURSE CORP. CENTER FIVE 18TH FLOOR ATLANTA, GA 30328 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $2K | — | $2K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSSURANCE SERVICES OF GA | LOCKBOX 905260 808 TYVOLA RD, STE 108 CHARLOTTE, NC 28217 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC. | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | $154 | — | $154 | 1.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS - INNOTECH | 233 S. WACKER STE. 1875 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $687 | $76 | $763 | 14.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF GA | 29727 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $295 | — | $295 | 5.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 29727 NETWORK PL CHICAGO, IL 60638 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $440 | $79 | $519 | 11.66% |
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 | 125 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 320 | $1.3M |
| Dental(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 421 | $1.5M |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 320 | $1.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 125 | $68K |
| Short-term disability | STANDARD INSURANCE COMPANY | 125 | $11K |
| Long-term disability | STANDARD INSURANCE COMPANY | 125 | $19K |
| Other(2 contracts, 2 carriers) | METLIFE - DELAWARE AMERICAN LIFE INSURANCE COMPANY | 47 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.