| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 26 CENTURY BLVD. NASHVILLE, TN 37214 | SUN LIFE ASSURANCE COMPANY OF CANADA | $166K | — | $166K | 12.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURNACE | SERVICES WEST INC PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $21K | $21K | 1.51% |
| CLEARTRACK HR, LLC3 | 360B QUALITY CIR NW STE 220 HUNTSVILLE, AL 35806 | RELIASTAR LIFE INSURANCE COMPANY | $166K | — | $166K | 45.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | PO BOX 905643 CHARLOTTE, NC 28290 | RELIASTAR LIFE INSURANCE COMPANY | $77K | — | $77K | 21.19% |
| BIGGIN CONSULTING SERVICES LLC3 | 2800 JORDAN GRV WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | — | $7K | $7K | 1.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 26 CENTURY BLVD PO BOX 305025 NASHVILLE, TN 37214 | HUMANA INSURANCE COMPANY | $23K | — | $23K | 9.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 26 CENTURY BLVD NASHVILLE, TN 37214 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | — | $23K | 14.05% |
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 | 2,210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 98 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 1,758 | $251K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $1.4M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $1.4M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $1.4M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 751 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,758 | — |
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.