| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF GA | 806 TYVOLA ROAD SUITE 108 CHARLOTTE, NC 28217 | AETNA LIFE INSURANCE CO. | $61K | — | $61K | 5.16% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE HOLDINGS INC | 101 S GARLAND AVE SUITE 203 ORLANDO, FL 32801 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 0.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS HRH | 5 CONCOURSE PKWY 18TH FLOOR ATLANTA, GA 30328 | EYEMED VISION CARE | $204 | — | $204 | 20.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF GA INC | 1 GLENLAKE PKWY, 11TH FL ATLANTA, GA 30328 | HUMANA | -$318 | $405 | $87 | — |
| USI INSURANCE SERVICES LLC3 | STE 1002 7 EAST CONGRESS STREET SAVANNAH, GA 314013396 | HUMANA | -$18 | — | -$18 | — |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 251 | $1.2M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 251 | $1.2M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 251 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 251 | $1.2M |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 251 | $1.2M |
| Long-term disability | HUMANA | 166 | $0 |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 251 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.