| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | RELIASTAR LIFE INSURANCE COMPANY | $40K | $63K | $103K | 8.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | 29754 NETWORK PL SUITE 2500 CHICAGO, IL 606731297 | RELIASTAR LIFE INSURANCE COMPANY | $38K | — | $38K | 3.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | 301 SOUTH TRYON ST, SUITE 2600 SUITE 2500 CHARLOTTE, NC 28282 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $3K | $3K | 1.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | PO BOX 31817 CHARLOTTE, NC 28231 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 0.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | 301 SOUTH TRYON ST, SUITE 2600 SUITE 2500 CHARLOTTE, NC 28282 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 0.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | PO BOX 31817 CHARLOTTE, SC 28231 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 0.76% |
| 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 D/B/A LEGALSHIELD | $5K | — | $5K | 17.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | PO BOX 31817 CHARLOTTE CHARLOTTE, NC 28231 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $115 | $115 | 0.75% |
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 | 649 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 639 | $99K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 690 | $257K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 652 | $15K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,131 | $169K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 654 | $1.3M |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES D/B/A LEGALSHIELD | 170 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,131 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.