| 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 STE 2500 CHARLOTTE, NC 282022381 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | $31 | $52K | 4.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | PO BOX 31817 CHARLOTTE, NE 282311817 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 0.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | 301 SOUTH TRYON STREET SUITE 2600 CHARLOTTE, NC 28282 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | — | $37K | 4.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | PO BOX 31817 CHARLOTTE, NC 282311817 | AMERITAS LIFE INSURANCE CORP. | — | $5K | $5K | 2.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE BROKERAGE OF NC | 806 TYVOLA ROAD, SUITE 108, LOCKBOX # 905554 CHARLOTTE, NC 28217 | TUFTS INSURANCE COMPANY | $1K | — | $1K | 0.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | ACE AMERICAN INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | 301 SOUTH TRYON STREET SUITE 2600 CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.54% |
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 | 2,469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 269 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 91 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,829 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 66 | $1.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 66 | $828K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 5,955 | $256K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,808 | $1.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,412 | $1.4M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,412 | $1.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,808 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,955 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.