| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $75K | $27K | $102K | 7.19% |
| DARREN J. STRAUS3 | 555 17TH STREET, SUITE 2050 DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 10.74% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $947 | $0 | $947 | 0.72% |
| TY FAIR3 Filed as: TY E. FAIR | 1800 BUENA VISTA ROAD COLUMBUS, GA 31909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $462 | $0 | $462 | 0.35% |
| JOHN L BENN3 Filed as: JOHN L. BENN | 993 LISMORE DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $412 | $0 | $412 | 0.31% |
| JOHN E CARTER III Filed as: JOHN E. CARTER III | 7310 NORTH LAKE DRIVE, SUITE B COLUMBUS, GA 31909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $244 | $0 | $244 | 0.19% |
| MJ INSURANCE3 Filed as: NIKERINA INC. AND VARIOUS AGENTS | 303 WEST ERIE, SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $204 | $0 | $204 | 0.16% |
| CALVIN K. RENTZ3 | 1800 BUENA VISTA ROAD COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | $0 | $86 | 0.07% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $778 | $139 | $917 | 12.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 1 UPPER POND ROAD, BUILDING F PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | $0 | $28 | $28 | 0.37% |
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 | 1,510 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,548 | $1.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $0 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $0 |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,548 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,548 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.