| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | 214 N TRYON ST SUITE 2500 CHARLOTTE, NC 282022381 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 4.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | P.O. BOX 31817 SUITE 2600 CHARLOTTE, NC 282311817 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 1.65% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO- MEDICARE SUPPLEMENT | $29K | — | $29K | 6.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS ON NORTH CAROLINA | 301 S TRYON STREET SUITE 2600 CHARLOTTE, NC 282820001 | TRANSAMERICA INSURANCE CO- MEDICARE SUPPLEMENT | $15K | — | $15K | 3.32% |
| AMWINS3 | 50 WHITECAP DRIVE NORTH INGSTOWN, RI 02852 | STONEBRIDGE LIFE INSURANCE | $22K | — | $22K | 5.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 240 NORTH TRYON STREET, SUITE 2500 CHARLOTTE, NC 28282 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICS OF CA INC | PO BOX 101162 PASADENA, CA 911890001 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | P.O. BOX 31817 CHARLOTTE, NC 28231 | EYEMED | $8K | — | $8K | 12.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 NORTH TRYON STREET CHARLOTTE, NC 28202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.92% |
| DAVID MASON DOKELL3 | 127 GREAT POINT DRIVE MOORESVILLE, NC 28117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $76 | $3K | 6.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 25.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $312K |
| THE PRUDENTIAL INS CO OF AMERICA EIN 22-1211670 THRD PARTY ADMINSTRATOR | Claims processing; Contract Administrator Service code 12 | — | $28K |
| COMPSYCH EIN 35-3739783 THIRD PARTY ADMINISTRATI | Claims processing; Contract Administrator Service code 12 | — | $0 |
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 | 846 | 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) | 858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA INSURANCE CO- MEDICARE SUPPLEMENT | 246 | $449K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,225 | $518K |
| Vision | EYEMED | 989 | $66K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 846 | $387K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 846 | $387K |
| Prescription drug | STONEBRIDGE LIFE INSURANCE | 246 | $424K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 898 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,225 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.