| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN D WINTERMUTE3 | 301 SOUTH TRYON STREET STE 2600 CHARLOTTE, NC 28282 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $50K | — | $50K | 4.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 9.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 240 NORTH TRYON STREET SUITE 2500 CHARLOTTE, NC 28282 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 20.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. | PO BOX 101162 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29727 NETWORK PLACE CHICAGO, IL 606731297 | EYE MED VISION CARE | $2K | — | $2K | 9.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 214 N. TRYON ST. STE 2500 CHARLOTTE, NC 28202 | UNUM INSURANCE COMPANY | $3K | $382 | $3K | 22.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 214 N. TRYON ST. STE 2500 CHARLOTTE, NC 28202 | UNUM INSURANCE COMPANY | $2K | $254 | $2K | 20.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 214 N TRYON ST., STE 2500 CHARLOTTE, NC 282022381 | UNUM INSURANCE COMPANY | $2K | $226 | $2K | 20.72% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 226 | $1.2M |
| Dental | AETNA LIFE INSURANCE CO. | 335 | $137K |
| Vision | EYE MED VISION CARE | 312 | $19K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 283 | $95K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 283 | $95K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 283 | $95K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 226 | $1.2M |
| Other(4 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 283 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.