| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE CO. | — | $125K | $125K | 0.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 505 20TH ST N STE 940 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $184K | $34 | $184K | 5.44% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | PO BOX 2569 BELLAIRE, TX 77402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70K | $70K | 2.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $58K | $58K | 1.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 7000 CENTRAL PKWY NE #700 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $73K | $20K | $92K | 6.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 7000 CENTRAL PKWY NE #700 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $90K | $12K | $102K | 11.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 7000 CENTRAL PKWY NE #700 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $70K | $7K | $78K | 22.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 7000 CENTRAL PKWY NE #700 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $49K | $5K | $54K | 23.29% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES, INC | 3010 BRIARPARK DRIVE STE 8000 HOUSTON, TX 77042 | UNUM INSURANCE COMPANY | $8K | — | $8K | 3.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 7000 CENTRAL PKWY NE #700 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $32K | $3K | $34K | 16.90% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES, INC | 3010 BRIARPARK DRIVE STE 8000 HOUSTON, TX 77042 | UNUM INSURANCE COMPANY | $15K | — | $15K | 7.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 7000 CENTRAL PKWY NE #700 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$9K | — | -$9K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIS TOWERS WATSON SOUTHEAST INC EIN 62-1404453 BROKER | Direct payment from the plan; Insurance agents and brokers; Insurance services Service code 22 | 29848 NETWORK PLACE CHICAGO, IL 60673 | $630K |
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 | 9,287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 136 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 261 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 7,605 | $41.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 8,624 | $3.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 8,624 | $3.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,163 | $897K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,665 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 795 | $0 |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,500 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,500 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.