| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FL NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FL NEW YORK, NY 10281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $726 | $726 | 1.25% |
| OPTAVISE, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM INSURANCE COMPANY | $5K | $449 | $6K | 16.25% |
| OPTAVISE, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM INSURANCE COMPANY | $4K | $254 | $4K | 20.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FL NEW YORK, NY 10281 | UNUM INSURANCE COMPANY | -$889 | -$58 | -$947 | -4.49% |
| OPTAVISE, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AA 35233 | UNUM INSURANCE COMPANY | $2K | $214 | $2K | 11.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | UNUM INSURANCE COMPANY | -$124 | -$28 | -$152 | -0.90% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 238 | $2.5M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 300 | $83K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. COMPANY | 292 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 239 | $170K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 239 | $170K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 59 | $58K |
| Prescription drug(2 contracts) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 238 | $2.5M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 239 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.