| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $330K | $23K | $353K | 23.71% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $257K | $16K | $273K | 37.23% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.22% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $171K | $11K | $182K | 34.36% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.22% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $90K | $6K | $96K | 34.88% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $18K | $3K | $21K | 11.30% |
| THE INSURANCE PARTNERS LLC -0003 | 11225 COLLEGE BLVD STE 105 OVERLAND PARK, KS 662102770 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 11.54% |
| GREGORY HINRICHS3 | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 282770778 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 9.50% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 7.05% |
| JAMES WILLIAM DEUINK3 Filed as: JAMES DEUINK | 11525 N COMMUNITY HOUSE RD STE 450 CHARLOTTE, NC 282770778 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.28% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL RICHARDSON | 5717 MCALPINE FARM RD CHARLOTTE, NC 282267326 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC D/B/A ENROLL | 233 S WACKER DR STE 2000 CHICAGO, IL 606066400 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.86% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 LOCKBOX 28852 NEW YORK, NY 100878852 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $370 | $370 | 1.37% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $520 | $5K | 19.97% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 8.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $3K | $247 | $3K | 21.76% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $105 | $1K | 29.19% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $212 | $71 | $283 | 23.43% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $136 | $68 | $204 | 18.77% |
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 | 6,890 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 109 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 60 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,059 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 24 | $60K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $17K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 5,191 | $596K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 6,961 | $4.5M |
| Short-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 60 | $54K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,932 | $1.5M |
| Other(11 contracts, 5 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 6,961 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,961 | — |
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.