| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA | 214 N. TRYON ST STE 2500 CHARLOTTE, NC 28202 | HIGHMARK, INC. | $30K | — | $30K | 0.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 111 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 | HIGHMARK, INC. | $20K | — | $20K | 0.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 31817 CHARLOTTE, NC 28231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18K | $18K | 2.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 31817 CHARLOTTE, NC 282311817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $40K | — | $40K | 10.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 1.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 31817 CHARLOTTE, NC 282311817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | — | $29K | 10.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 0.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 31817 CHARLOTTE, NC 282311817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | — | $26K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.30% |
| 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 | $47K | — | $47K | 22.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 31817 CHARLOTTE, NC 283211817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 6.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 31817 CHARLOTTE, NC 282311817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 500 N. AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $261 | $261 | 1.08% |
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 | 1,169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 2,771 | $13.8M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,016 | $844K |
| Vision | VISION SERVICE PLAN | 999 | $148K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,369 | $398K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,369 | $260K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,369 | $283K |
| Prescription drug | HIGHMARK, INC. | 2,771 | $13.8M |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,369 | $700K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,771 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.