| 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 | — | $49K | $49K | 3.59% |
| 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 | — | $1K | $1K | 0.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 29727 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 10.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | CONCOURSE CORPORATE CENTER FIVE 18TH FLOOR ATLANTA, GA 30328 | METLIFE - DELAWARE AMERICAN LIFE INSURANCE COMPANY | $8K | — | $8K | 9.27% |
| 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 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 INSURANCE SERVICES OF GA | CONCOURSE CORP. CENTER FIVE 18TH FLOOR ATLANTA, GA 30328 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $1K | — | $1K | 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 SERVICES OF GEORGIA INC | 29727 NETWORK PL CHICAGO, IL 60673 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $404 | $73 | $477 | 10.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 233 S WACKER STE 1875 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $216 | — | $216 | 5.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF GA | 29727 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $93 | — | $93 | 2.18% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 305 | $1.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 396 | $120K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 81 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 114 | $66K |
| Short-term disability | STANDARD INSURANCE COMPANY | 114 | $10K |
| Long-term disability(2 contracts, 2 carriers) | METLIFE - DELAWARE AMERICAN LIFE INSURANCE COMPANY | 114 | $101K |
| Other(2 contracts, 2 carriers) | METLIFE - DELAWARE AMERICAN LIFE INSURANCE COMPANY | 13 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.