| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 555 17TH ST STE 2050 DENVER, CO 80202 | DELTA DENTAL OF NORTH CAROLINA | $22K | — | $22K | 3.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | 2055 GATEWAY PL STE 450 #700 SAN JOSE, CA 95110 | DELTA DENTAL OF NORTH CAROLINA | $2K | — | $2K | 0.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | RELIASTAR LIFE INSURANCE COMPANY | $62K | — | $62K | 12.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 62877 COLLECTIONS CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $2K | — | $2K | 3.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 2000 S COLORADO BLVD STE 900 DENVER, CO 08022 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 15.98% |
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 | 837 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 38 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 879 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 1,533 | $583K |
| Vision | VISION SERVICE PLAN | 845 | $69K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 3,112 | $516K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 3,112 | $516K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 3,112 | $516K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,112 | $590K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,112 | — |
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.