| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | SYMETRA LIFE INSURANCE COMPANY | — | $80K | $80K | 6.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 55 BEATTIE PL. #200 GREENVILLE, SC 29601 | SYMETRA LIFE INSURANCE COMPANY | $39K | — | $39K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 7733 FORSYTH BLVD STE 1350 SAINT LOUIS, MO 63105 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATON SOUTHEAST, INC | 214 N. TRYON ST. STE 2500 CHARLOTTE, NC 28202 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 19.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 7733 FORSYTH BLVD STE 1350 SAINT LOUIS, MO 63105 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.40% |
| 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 | $3K | — | $3K | 17.00% |
| WILLIS TOWERS WATSON US LLC3 | 28852 PO BOX 28852 NEW YORK, NY 10087 | AETNA INTERNATIONAL | $225 | — | $225 | 11.99% |
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 | 747 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 755 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 561 | $82K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 805 | $316K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 757 | $19K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 757 | $189K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 576 | $1.3M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 494 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 805 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.