| 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 | $66K | $8K | $74K | 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 | $27K | — | $27K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC | PO BOX 31817 CHARLOTTE, NC 31817 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | 29754 NETWORK PLACE CHICAGO, IL 60673 | EXPRESS SCRIPTS, INC. | $8K | — | $8K | 3.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | PO BOX 31817 CHARLOTTE, NC 282311817 | HARTFORD LIFE & ACCIDENT INSURANCE | $8K | — | $8K | 5.00% |
| 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 | $6K | 6.25% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY | $5K | $152 | $5K | 9.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | PO BOX 905554 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY | $2K | $91 | $2K | 4.05% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $152 | $5K | 25.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF N CAROLINA | PO BOX 905554 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $91 | $2K | 11.27% |
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 | 908 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE & ACCIDENT INSURANCE | 133 | $165K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,028 | $538K |
| Vision | VISION SERVICE PLAN | 540 | $77K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 908 | $681K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $89K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 908 | $661K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 127 | $243K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 908 | $736K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,028 | — |
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.