| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS WATSON TOWERS SOUTHEAST INC | 11 N WATER ST FL 19 MOBILE, AL 36602 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $195K | $195K | 5.29% |
| LOCKTON COMPANIES, LLC3 | 777 S FIGUEROA ST STE 5200 LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$29 | -$29 | -0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 3344 PEACHTREE ROAD NE SUITE 900 ATLANTA, GA 30326 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 12.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $38 | $38 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 26 CENTURY BLVD STE 101 NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $48 | $26K | 9.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 26 CENTURY BLVD STE 101 NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | PO BOX 730416 DALLAS, TX 75373 | VISION SERVICE PLAN | $2K | — | $2K | 5.43% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 344 | $3.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 659 | $263K |
| Vision | VISION SERVICE PLAN | 163 | $31K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 183 | $326K |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 183 | $326K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 183 | $326K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 344 | $3.7M |
| Other | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 183 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.