| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 214 N TRYON ST SUITE 2500 CHARLOTTE, NC 282022381 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 1.95% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF NORTH CAROLINA INC | 214 N. TRYON STREET SUITE 2500 CHARLOTTE, NC 28202 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $5K | — | $5K | 17.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30330 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | -$2K | $2K | 6.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP OF NC | 301 S TRYON STREET SUITE 2600 CHARLOTTE, NC 28282 | AETNA INTERNATIONAL | $763 | — | $763 | 38.23% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $118 | -$112 | $6 | 0.60% |
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 | 669 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 641 | $84K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 669 | $466K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 669 | $466K |
| Other(6 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 669 | $524K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.