| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOLEY, BRIAN K3 | P.O. BOX 31817 CHARLOTTE, NC 28202 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $90K | — | $90K | 2.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 29754 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $26K | — | $26K | 9.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH HEARST | 214 NORTH TRYON ST CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $854 | $12K | 10.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH HEARST | 214 NORTH TRYON ST CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $451 | $7K | 11.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | PO BOX 31817 CHARLOTTE, NC 28231 | EYEMED VISION CARE / FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 9.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH HEARST | 214 NORTH TRYON ST CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $229 | $5K | 15.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH HEARST | 214 NORTH TRYON ST CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $171 | $3K | 11.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH HEARST | 214 NORTH TRYON ST CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $519 | $37 | $556 | 10.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH HEARST | 214 NORTH TRYON ST CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $608 | $33 | $641 | 15.82% |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 593 | $3.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 381 | $259K |
| Vision | EYEMED VISION CARE / FIDELITY SECURITY LIFE INSURANCE COMPANY | 493 | $42K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 437 | $22K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 409 | $116K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 437 | $57K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 593 | $3.7M |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 437 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 593 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.