| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $474K | $12K | $486K | 32.29% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.23% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $65K | $8K | $73K | 11.25% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.21% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $129K | $5K | $134K | 31.41% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | $3K | $65K | 27.26% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $14K | $2K | $16K | 11.29% |
| THE INSURANCE PARTNERS LLC -0003 | 11225 COLLEGE BLVD STE 105 OVERLAND PARK, KS 662106400 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | — | $44K | 30.68% |
| 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 | $44K | — | $44K | 30.64% |
| GREGORY HINRICHS3 | 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 282265319 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 15.41% |
| JAMES WILLIAM DEUINK3 Filed as: JAMES DEUINK | 11111 CARMEL COMMONS BLVD CHARLOTTE, NC 282265319 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 15.41% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL RICHARDSON | 5715 MCALPINE FARM RD CHARLOTTE, NC 282267326 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 15.11% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 8.00% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $354 | $7K | 18.92% |
| AON CONSULTING INC4 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | FEDERAL INSURANCE COMPANY | $3K | $511 | $4K | 23.23% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $55 | $55 | 0.47% |
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 | 6,312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $115K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $82K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 5,205 | $508K |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 6,859 | $2.5M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,956 | $1.5M |
| Other(7 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,312 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,956 | — |
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.