| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA INC | CONCOURSE CORPORATE CTR FIVE FL 18 ATLANTA, GA 30328 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $120K | $126K | 2.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA INC | CONCOURSE CORPORATE CTR FIVE FL 18 ATLANTA, GA 30328 | UNITED HEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS | PO BOX 905260 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 4.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | 5 CONCOURSE PARKWAY NE 18TH FL ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $1K | $22K | 15.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | 5 CONCOURSE PARKWAY NE 18TH FLOOR ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $858 | $16K | 15.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | 5 CONCOURSE PARKWAY NE 18TH FLOOR ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $555 | $10K | 15.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS | 5 CONCOURSE PARKWAY NE 18TH FLOOR ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $212 | $4K | 15.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF GEORGIA INC | 29727 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF ATLANTA | 7000 CENTRAL PKWY NE SUITE 700 ATLANTA, GA 30368 | METROPOLITAN LIFE INSURANCE COMPANY | $237 | — | $237 | 0.96% |
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 | 467 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,153 | $5.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,153 | $4.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 467 | $138K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 467 | $101K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 467 | $65K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 1,153 | $4.8M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 467 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,153 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.