| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29727 NETWORK PLACE, CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $527K | — | $527K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 1800 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $131K | $131K | 1.49% |
| BENEFIT EXCHANGE3 Filed as: BENEFIT EXCHANGE TBX BNFT PARTNERS | SIX CONCOURSE PKWY STE 2750 ATLANTA, GA 30328 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36 | — | $36 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29727 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $337K | — | $337K | 8.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 1800 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $56K | $56K | 1.37% |
| JAMES R NELLIGAN & ASSOCS LLC3 Filed as: JAMES R NELLIGAN & ASSOCS | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14K | $14K | 0.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29754 NETWORK PL CHICAGO, IL 60673 | AETNA LIFE INSURANCE CO. | $449K | — | $449K | 27.19% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P O BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $53K | — | $53K | 3.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN GENERAL INSURANCE COMPANY | $22K | — | $22K | 13.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | DBA WILLIS OF FLORIDA 3000 BAYPORT DRIVE, SUITE 300 TAMPA, FL 33607 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $1K | $1K | 0.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WATSON WYATT & COMPANY | 901 N. GLEBE ROAD ARLINGTON, VA 22203 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $589 | $589 | 0.36% |
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 | 14,485 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,743 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC.(G0386) | 23,471 | $2.5M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 15,537 | $8.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,141 | $4.1M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC.(G0386) | 23,471 | $2.5M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 14,925 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,471 | — |
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.