| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | HEARST TOWER 214 N TRYON ST CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 0.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | HEARST TOWER 214 N TRYON ST CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 0.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 N TRYON ST SUITE 2500 CHARLOTTE, NC 282022381 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 0.88% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-LIST ATTACHED | — | AFLAC | $47K | $3K | $50K | 17.85% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-ATTACHED LIST | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $571 | $28K | 15.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | HEARST TOWER 214 N TRYON ST CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $452 | $452 | 0.87% |
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 | 2,576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,135 | $329K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,691 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,691 | $891K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,691 | $465K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,691 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,691 | — |
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."
No prospect flags tripped on this filing.