| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 18TH FL CONCOURSE CORPORATE CTR 5 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $130K | $17K | $146K | 13.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GA INC | 29727 NETWORK PLACE CHICAGO, IL 606731297 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $3K | $23K | 6.15% |
| ESKRA & ASSOCIATES INC3 | 100 MIRACLE MILE, STE 250 MORRISON FIN, C/O EDWARD MORRISON CORAL GABLES, FL 331345428 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 1.48% |
| POINTENORTH INS GROUP LLC3 | PO BOX 724728 ATLANTA, GA 311391728 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 5 CONCOURSE PKWY, STE 1700 ATLANTA, GA 303286102 | METROPOLITAN LIFE INSURANCE COMPANY | $468 | $61 | $529 | 0.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29727 NETWORK PLACE CHICAGO, IL 606731297 | METROPOLITAN LIFE INSURANCE COMPANY | $282 | — | $282 | 0.08% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 S 8TH STREET, STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | $188 | — | $188 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 26 CENTURY BLVD C/O J P MORGAN CHASE NASHVILLE, TN 372143685 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9 | $9 | 0.00% |
| MICHAEL J ESKRA3 | 100 MIRACLE MILE, STE 250 CORAL GABLES, FL 331345428 | METROPOLITAN LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 18TH FLOOR CONCOURSE CORPORATE CTR 5 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $32K | $3K | $35K | 16.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29848 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 22.12% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NC 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $1K | $1K | 2.95% |
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 | 2,470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 31 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,518 | 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 | 2,237 | $1.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,237 | $1.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,237 | $1.1M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,237 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,237 | — |
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.