| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 301 S TRYON ST, STE 2600 CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | — | $35K | 3.26% |
| LEAHY CONSULTING SERVICES3 | 10800 MIDLOTHIAN TURNPIKE, STE 260 RICHMOND, VA 23235 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $18K | $18K | 1.65% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 0.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 301 S TRYON ST, STE 2600 CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 4.22% |
| LEAHY CONSULTING SERVICES3 | 10800 MIDLOTHIAN TURNPIKE, STE 260 RICHMOND, VA 23235 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10K | $10K | 1.53% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 0.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 301 S TRYON ST, STE 2600 CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 4.06% |
| LEAHY CONSULTING SERVICES3 | 10800 MIDLOTHIAN TURNPIKE, STE 260 RICHMOND, VA 23235 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 1.53% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 0.94% |
| REWARDS PLUS OF AMERICAN INSURANCE3 Filed as: REWARDS PLUS OF AM INS AGCY INC | 4450 RIVER GREEN PKWY, STE 100-A DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.89% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $175 | $5K | 3.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 301 S TRYON ST, STE 2600 CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.78% |
| LEAHY CONSULTING SERVICES3 | 10800 MIDLOTHIAN TURNPIKE, STE 260 RICHMOND, VA 23235 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $734 | $734 | 1.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $459 | — | $459 | 1.22% |
| REWARDS PLUS OF AMERICAN INSURANCE3 Filed as: REWARDS PLUS OF AM INS AGCY INC | 4450 RIVER GREEN PKWY, STE 100-A DULUTH, GA 30096 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.50% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $475 | — | $475 | 1.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 301 S TRYON ST, STE 2600 CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $137 | — | $137 | 15.05% |
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 | 5,581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 442 | $3.3M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 2 | $927 |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7,310 | $413K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,581 | $1.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,581 | $647K |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 442 | $3.2M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,581 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,310 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.