| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29982 NETWORK PLACE CHICAGO, IL 606731299 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45K | — | $45K | 12.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29982 NETWORK PLACE CHICAGO, IL 606731299 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112K | — | $112K | 72.51% |
| MORRIS JR SAMUEL R3 Filed as: MORRIS JR, SAMUEL R | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 11.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29982 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 7.82% |
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 | 4,662 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 189 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 3,384 | $1.9M |
| Vision | HIGHMARK INC. | 3,117 | $270K |
| Life insurance | STANDARD INSURANCE COMPANY | 4,662 | $897K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,542 | $358K |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,662 | $497K |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,347 | $643K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,662 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.