| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | P. O. BOX 31817 SUITE 2600 CHARLOTTE, NC 28231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $15K | $26K | 8.32% |
| LIAZON BENEFITS INC3 Filed as: LIAZON COPORATION | 100 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | 214 N TRYON ST SUITE 2500 CHARLOTTE, NC 282022381 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 17.53% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 4.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | P. O. BOX 31817 CHARLOTTE, NC 282311817 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 29754 NETWORK PL CHICAGO, IL 606731297 | VISION SERVICE PLAN | $4K | — | $4K | 10.00% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST BUFFALO, NY 14204 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | P. O. BOX 31817 CHARLOTTE, NC 282311817 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $15K | 37.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 N. TRYON STREET SUITE 2500 CHARLOTTE, NC 28202 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 35.08% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 142022265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 4.86% |
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 | 433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 151 | $67K |
| Dental | DELTA DENTAL OF MICHIGAN | 819 | $281K |
| Vision | VISION SERVICE PLAN | 310 | $42K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 435 | $307K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 435 | $307K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 435 | $307K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 435 | $413K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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.