| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | PO BOX 28852 NEW YORK, NY 100878852 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $257K | $35K | $292K | 11.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | PO BOX 28852 NEW YORK, NY 100878852 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $126K | $18K | $144K | 11.80% |
| ELIZABETH GRELLNER | 101 S HANLEY ROAD, STE 900 ST. LOUIS, MO 63105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $771K | — | $771K | 68.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | PO 28852 NEW YORK, NY 100878852 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $5K | $5K | 0.67% |
| LIFE OF THE SOUTH AGENCY3 | PO BOX 925 NASHVILLE, GA 31639 | GREATER GEORGIA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.04% |
| LIFE OF THE SOUTH AGENCY3 | PO BOX 7770 TIFTON, GA 31793 | GREATER GEORGIA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON | 5 CONCOURSE PARKWAY ATLANTA, GA 30328 | ZURICH AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 25.00% |
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 | 6,266 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,834 | $3.2M |
| Short-term disability(4 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,834 | $1.3M |
| Long-term disability(4 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,834 | $1.8M |
| Other(6 contracts, 4 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,840 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,840 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.