| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS INC | 3010 BRIARPARK DR # 8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $222K | $222K | 7.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 26 CENTURY BLVD STE 101 NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | $175K | $64 | $175K | 5.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $60K | $60K | 1.94% |
| 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 | $77K | $19K | $96K | 6.25% |
| 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 | $11K | $101K | 11.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 7000 CENTRAL PKWY NE #700 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $55K | $6K | $61K | 19.39% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | 3010 BRIARPARK DRIVE STE 8000 HOUSTON, TX 77042 | UNUM INSURANCE COMPANY | $31K | — | $31K | 9.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 7000 CENTRAL PKWY NE #700 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $41K | $5K | $46K | 19.33% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES, INC | 3010 BRIARPARK DRIVE STE 8000 HOUSTON, TX 77042 | UNUM INSURANCE COMPANY | $13K | — | $13K | 5.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 7000 CENTRAL PKWY NE #700 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $30K | $3K | $33K | 16.25% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES, INC | 3010 BRIARPARK DRIVE STE 8000 HOUSTON, TX 77042 | UNUM INSURANCE COMPANY | $16K | — | $16K | 8.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 1120 SOUTH TRYON STREET 6TH FLOOR CHARLOTTE, NC 28203 | LEGALEASE | — | $13K | $13K | 15.00% |
| 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 | $4K | $1K | $5K | 6.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIS TOWERS WATSON SOUTHEAST INC EIN 62-1404453 BROKER | Insurance services; Insurance agents and brokers; Direct payment from the plan Service code 22 | 29848 NETWORK PLACE CHICAGO, IL 60673 | $688K |
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 | 9,739 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 235 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 8,051 | $45.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 9,122 | $3.1M |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,122 | $3.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,567 | $899K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,960 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 689 | $84K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.