| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 12505 PARK POTOMAC AVE STE 300 POTOMAC, MD 20854 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $95K | $102K | 2.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | PO BOX 210583 DALLAS, TX 75211 | HARTFORD LIFE AND ACCIDENT | $28K | — | $28K | 10.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA ST SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 225 SCHILLING CIR STE 150 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 301 S. TRYON STREET SUITE 2600, TWO FIRST UNION CENTER CHARLOTTE, NC 28282 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $426 | $426 | 1.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29848 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.47% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $1K | $1K | 5.54% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 12505 PARK POTOMAC AVE #300 POTOMAC, MD 20854 | SYMETRA LIFE INSURANCE COMPANY | $2K | $363 | $2K | 12.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $208 | $1K | 10.15% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE | PO BOX 1313 ORLANDO, FL 32802 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $750 | $750 | 5.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSE, INC. | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $63 | $63 | 0.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $49 | $49 | 0.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 225 SCHILLING CIRCLE STE 150 HUNT VALLEY, MD 21031 | NGL | $288 | — | $288 | 3.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | CONTINENTAL AMERICAN INSURANCE COMPANY | $778 | — | $778 | 15.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DR STE 500 BETHESDA, MA 20817 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$991 | — | -$991 | -19.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON | 233 S WACKER STE 2000 CHICAGO, IL 60606 | TELADOC HEALTH, INC | $504 | — | $504 | 15.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $184 | $184 | 7.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29848 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 1.79% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR #500 BETHESDA, MD 20817 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.11% |
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 | 438 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 507 | $4.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 507 | $3.5M |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $47K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 434 | $284K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 434 | $284K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 507 | $4.6M |
| Other(8 contracts, 7 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 434 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.