| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | CONCOURSE CORPORATE CTR 5 18TH FL ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $101K | $10K | $111K | 12.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GA INC | 29727 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $3K | $32K | 9.02% |
| POINTENORTH INS GROUP LLC3 | PO BOX 724728 ATLANTA, GA 31139 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 2.67% |
| ESKRA & ASSOCIATES INC3 | MORRISON FIN, C/O EDWARD MORRISON 100 MIRACLE MILE, STE 250 CORAL GABLES, FL 33134 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 1.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 5 CONCOURSE PKWY STE 1700 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $262 | $92 | $354 | 0.10% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $319 | — | $319 | 0.09% |
| MICHAEL J ESKRA3 | 100 MIRACLE MILE STE 250 CORAL GABLES, FL 33134 | METROPOLITAN LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF GA | 29727 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41K | — | $41K | 25.21% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NC 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $4K | $4K | 2.16% |
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 | 1,688 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 175 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,879 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,018 | $1.2M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,018 | $879K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,018 | $879K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,018 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,018 | — |
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.