| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $203K | — | $203K | 1.60% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $169K | $169K | 1.33% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $143K | — | $143K | 1.59% |
| WILLIS TOWERS WATSON US LLC | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $119K | $119K | 1.32% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 1.61% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $34K | $34K | 1.34% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $539K | — | $539K | 31.73% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $45K | $45K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | ZURICH AMERICAN INSURANCE COMPANY | $15K | — | $15K | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10087 | ZURICH AMERICAN INSURANCE COMPANY | — | $15K | $15K | 5.00% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON PR BROKERAGE INC | — | TRIPLE S SALUD, INC | $14K | — | $14K | 5.00% |
| USI INSURANCE SERVICES LLC | 2502 N ROCKY POINT DR STE 400 TAMPA, FL 33607 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $409 | $8K | 5.82% |
| CHARLES D. BLOCK Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $286 | $4K | 3.10% |
| JAMES H. VAN EPPS Filed as: JAMES H VAN EPPS | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $281 | $4K | 3.09% |
| DIRECTPATH, LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $899 | — | $899 | 0.68% |
| USI INSURANCE SERVICES LLC Filed as: USI INS SERVICES LLC (FT. LAUDERDAL | PO BOX 62689 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $733 | — | $733 | 0.56% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $19K | $19K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | ZURICH AMERICAN INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND NEW YORK, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| USI INSURANCE SERVICES LLC Filed as: USI INS SERVICES LLC(FT. LAUDERDAL) | PO BOX 62689 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $16 | — | $16 | 2.30% |
| DIRECTPATH, LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $14 | — | $14 | 2.01% |
| USI INSURANCE SERVICES LLC Filed as: USI INS SERVICES LLC | STE 400 2502 N ROCKY POINT DR TAMPA, FL 33607 | FIRST UNUM LIFE INSURANCE COMPANY | $3 | — | $3 | 0.43% |
| BLOCK, CHARLES, D | UNIT 208 648 VILLAGE PARK DR WILMINGTON, NC 28405 | FIRST UNUM LIFE INSURANCE COMPANY | $1 | — | $1 | 0.14% |
| VAN EPPS, JAMES, H | 10930 CRABAPPLE RD, STE 206 ROSEWELL, GA 30075 | FIRST UNUM LIFE INSURANCE COMPANY | $1 | — | $1 | 0.14% |
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 | 14,069 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 483 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD, INC | 44 | $272K |
| Dental(5 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,046 | $715K |
| Vision | VISION SERVICE PLAN | 9,646 | $1.4M |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22,102 | $12.8M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22,102 | $21.7M |
| Prescription drug | TRIPLE S SALUD, INC | 44 | $272K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $3.4M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14,069 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,102 | — |
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.