| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $578K | $98K | $676K | 14.03% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $75K | $75K | 2.17% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $256K | $256K | 7.79% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $799 | $799 | 0.04% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $27K | — | $27K | 1.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE,INC. | PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $243K | — | $243K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $156K | — | $156K | 34.07% |
| AON CONSULTING INC3 | 2300 REXWOOD DRIVE SUITE 200 RALEIGH, NC 27607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 4.15% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | 3.39% |
| JAMES R HILL JR3 Filed as: JAMES R HILL, JR. | 7021 MARSEILLES CT. SUMMERFIELD, NC 27358 | CONTINENTAL AMERICAN INSURANCE COMPANY | $481 | — | $481 | 0.11% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $302 | — | $302 | 0.07% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $127 | $127 | 0.03% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE INC | — | MONUMENTAL LIFE INSURANCE COMPANY | $17K | — | $17K | 4.37% |
| AON CONSULTING INC Filed as: AON CONSULTING | — | MONUMENTAL LIFE INSURANCE COMPANY | $17K | — | $17K | 4.36% |
| JEFF HALSETH | — | MONUMENTAL LIFE INSURANCE COMPANY | $53 | — | $53 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | ARAG INSURANCE COMPANY | $14K | — | $14K | 5.00% |
| WILLIS TOWERS WATSON US LLC7 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $604 | — | $604 | 19.99% |
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 | 18,155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 179 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,049 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 579 | $4.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 579 | $4.1M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10,718 | $5.8M |
| Life insurance(3 contracts) | HARTFORD LIFE AND ACCIDENT | 17,489 | $5.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 17,489 | $3.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 17,489 | $4.8M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 17,385 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,489 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.