| 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 | $81K | $10K | $91K | 13.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 214 N. TRYON ST. CHARLOTTE, NC 282022381 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $31 | $27K | 4.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 26 CENTURY BLVD. NASHVILLE, TN 372143685 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC | PO BOX 31817 CHARLOTTE, NC 31817 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.52% |
| 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 | $2K | $31 | $3K | 0.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 214 N. TRYON ST. CHARLOTTE, NC 28202 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 2.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 543 SOUTH EVANS ST. GREENVILLE, NC 27858 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | PO BOX 31817 CHARLOTTE, NC 28231 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 0.84% |
| 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 | $5K | $1K | $7K | 7.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 214 N. TRYON ST. STE 2500 CHARLOTTE, NC 28202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $549 | $7K | 8.40% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.41% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 27149 GREENVILLE, SC 29616 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $86 | $22 | $108 | 0.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 214 N. TRYON ST. SUITE 2500 CHARLOTTE, NC 28202 | METLIFE LEGAL PLANS | $2K | — | $2K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 29982 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | — | $203 | $203 | 1.02% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $640 | — | $640 | 3.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 214 N TRYON ST STE 2500 CHARLOTTE, NC 28202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $456 | $11 | $467 | 2.65% |
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 | 891 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 82 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 973 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 129 | $152K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,982 | $671K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,982 | $671K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 891 | $708K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $90K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 891 | $691K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 909 | $806K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,982 | — |
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.