| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 18101 VON KARMAN AVE., SUITE 600 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 11.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 18101 VON KARMAN AVE., SUITE 600 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 11.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 18101 VON KARMAN AVE., SUITE 600 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $677 | $6K | 11.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 18101 VON KARMAN AVE., SUITE 600 IRVINE, CA 92612 | EYEMED VISION CARE | $6K | — | $6K | 12.43% |
| JOHNSON RESOURCES3 | 7373 E DOUBLETREE RANCH #200 SCOTTSDALE, AZ 85258 | EYEMED VISION CARE | $1K | — | $1K | 2.49% |
| CROOM, ROBERT, FRINK3 | 155 BRICKLEBERRY DRIVE ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $621 | — | $621 | 6.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 91102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $266 | — | $266 | 2.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 29A TECHNOLOGY DRIVE, SUITE 200 IRVINE, CA 92618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $220 | $18 | $238 | 2.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 18101 VON KARMAN AVENUE, SUITE 600 IRVINE, CA 92612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $151 | — | $151 | 2.30% |
| IMPACT BENEFIT MANAGEMENT SERVICES3 Filed as: IMPACT BENEFIT MANAGEMENT SVCS. INC | 3650 MANSELL ROAD, SUITE 100 ALPHARETTA, GA 30022 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 2.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 91102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 1.34% |
| CROOM, ROBERT, FRINK3 | 155 BRICKLEBERRY DRIVE ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 1.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 29A TECHNOLOGY DRIVE, SUITE 200 IRVINE, CA 92618 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $5 | $67 | 1.02% |
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 | 1,274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 33 | $9K |
| Vision | EYEMED VISION CARE | 1,023 | $51K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,351 | $232K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $54K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,351 | $92K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,351 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,351 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.