| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 214 N TRYON ST SUITE 2500 CHARLOTTE, NC 282022381 | AMERITAS | $91K | $13K | $104K | 6.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS SOUTHEAST | PO BOX 31817 CHARLOTTE, NC 28231 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $24K | — | $24K | 4.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | — | $29K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | PO BOX 31817 CHARLOTTE, NC 28231 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $8K | — | $8K | 2.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 31817 CHARLOTTE, NC 282311817 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | INSURANCE SERVICES WEST 801 S FIGUEROA ST. SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 4.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29754 NETWORK PLACE CHICAGO, IL 60673 | ARAG INSURANCE COMPANY | $1K | — | $1K | 9.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC | 214 NORTH TRYON STREET SUITE 2500 CHARLOTTE, NC 28202 | ARAG INSURANCE COMPANY | $138 | — | $138 | 0.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEATLH & BENEFITS PHILADELPH | 4565 PAYSCHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $341 | — | $341 | 7.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 1255 CRESCENT GREEN DR CARY, NC 27518 | FEDERAL INSURANCE COMPANY | $316 | — | $316 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JENIFER J. DUNN BROKER | Insurance agents and brokers Service code 22 | 214 N. TRYON STREET CHARLOTTE, NC 28202 | $60K |
| WILLIS TOWERS WATSON SE BROKER | Insurance agents and brokers Service code 22 | 214 N. TRYON STREET CHARLOTTE, NC 28202 | $0 |
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 | 2,863 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,911 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 62 | $421K |
| Dental | AMERITAS | 4,215 | $1.5M |
| Vision | AMERITAS | 4,215 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,416 | $971K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,011 | $319K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,416 | $527K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 3,487 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,215 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.