| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 214 N TRYON STREET SUITE 2500 CHARLOTTE, NC 28202 | HIGHMARK, INC. | $57K | — | $57K | 0.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | PO BOX 31817 CHARLOTTE, NC 282311817 | METROPOLITAN LIFE INSURANCE COMPANY | — | $21K | $21K | 2.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | PO BOX 31817 CHARLOTTE, NC 282311817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39K | — | $39K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | PO BOX 31817 CHARLOTTE, NC 282311817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF N CAROLINA | PO BOX 31817 CHARLOTTE, NC 282311817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | 214 N TRYON STREET SUITE 2500 CHARLOTTE, NC 282022381 | RELIASTAR LIFE INSURANCE COMPANY | $22K | — | $22K | 21.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF N CAROLINA | PO BOX 31817 CHARLOTTE, NC 283211817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | PO BOX 31817 CHARLOTTE, NC 282311817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $753 | — | $753 | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NC, INC. | PO BOX 31817 CHARLOTTE, NC 282311817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $278 | — | $278 | 10.75% |
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 | 1,260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 2,514 | $13.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,395 | $936K |
| Vision | VISION SERVICE PLAN | 1,044 | $126K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,202 | $392K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,187 | $196K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,194 | $191K |
| Prescription drug | HIGHMARK, INC. | 2,514 | $13.8M |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,202 | $522K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,514 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.