| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA INC | 5 CONCOURSE PARKWAY NE 18TH FLOOR ATLANTA, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | $130K | $155K | 2.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA INC | 5 CONCOURSE PARKWAY NE 18TH FL ATLANTA, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $22K | $22K | 0.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS | PO BOX 905260 CHARLOTTE, NC 28290 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 3.65% |
| 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 | $23K | $1K | $24K | 15.70% |
| 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 | $17K | $1K | $18K | 15.90% |
| 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 | $975 | $11K | 16.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF GEORGIA INC | 29727 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 16.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF ATLANTA | 29727 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $22 | — | $22 | 0.07% |
| 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 | $442 | $5K | 16.41% |
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 | 435 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 396 | $5.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 396 | $5.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 396 | $5.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 435 | $154K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 435 | $115K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 435 | $67K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 396 | $5.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 435 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.