| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 214 N TRYON ST STE 2500 CHARLOTTE, NC 282022381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57K | $7K | $64K | 9.33% |
| 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 | $29K | $61 | $29K | 4.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC | PO BOX 31817 CHARLOTTE, NC 31817 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | 29754 NETWORK PLACE CHICAGO, IL 60673 | EXPRESS SCRIPTS, INC. | $7K | — | $7K | 3.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | PO BOX 31817 CHARLOTTE, NC 28231 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 214 N TRYON ST STE 2500 CHARLOTTE, NC 282022381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $935 | $5K | 5.17% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY | $2K | $3 | $2K | 4.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | PO BOX 905554 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY | $2K | $92 | $2K | 4.27% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $565 | — | $565 | 3.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF N CAROLINA | 214 N TRYON ST STE 2500 CHARLOTTE, NC 282022381 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $421 | $12 | $433 | 2.33% |
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 | 927 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 942 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,061 | $575K |
| Vision | VISION SERVICE PLAN | 558 | $80K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 927 | $706K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $91K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 927 | $687K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 111 | $219K |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 927 | $925K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,061 | — |
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.