| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 214 N TRYON ST STE 2500 CHARLOTTE, NC 282022381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63K | $8K | $71K | 11.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 N TRYON ST STE 2500 CHARLOTTE, NC 282311817 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 4.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | PO BOX 31817 CHARLOTTE, NC 31817 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 1.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | 214 N TRYON ST STE 2500 CHARLOTTE, NC 282022381 | EXPRESS SCRIPTS, INC. | $8K | — | $8K | 3.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 N TRYON ST STE 2500 CHARLOTTE, NC 282022381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 6.25% |
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 | 892 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 920 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE & ACCIDENT INSURANCE | 135 | $189K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,080 | $532K |
| Vision | VISION SERVICE PLAN | 541 | $69K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 892 | $629K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $87K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 892 | $629K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 137 | $253K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 892 | $629K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,080 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.