| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | — | $107K | $107K | 4.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $38K | — | $38K | 1.53% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | — | $48K | $48K | 4.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 1.41% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | — | $23K | $23K | 3.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 1120 S. TRYON ST. 6TH FLOOR CHARLOTTE, NC 28203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54K | — | $54K | 21.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | — | $26K | 10.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 1120 SOUTH TRYON ST STE 650 CHARLOTTE, NC 28203 | ZURICH AMERICAN INSURANCE COMPANY | $686 | — | $686 | 14.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 1120 SOUTH TRYON ST STE 650 CHARLOTTE, NC 28203 | ZURICH AMERICAN INSURANCE COMPANY | $58 | — | $58 | 14.91% |
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 | 4,159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 38 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 7,909 | $876K |
| Life insurance | STANDARD INSURANCE COMPANY | 4,155 | $2.5M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,304 | $1.1M |
| Other(5 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 4,159 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,909 | — |
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.