| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 5 CONCOURSE PKWY 17TH FLR ATLANTA, GA 30328 | CIGNA | $116K | — | $116K | 3.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 26 CENTURY BLVD STE 101 NASHVILLE, TN 37214 | PRINCIPAL LIFE INSURANCE COMPANY | $31K | — | $31K | 5.34% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | — | $19K | 3.28% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | ATTN ACCOUNTING DEPT. 32110 AGOURA RD WESTLAKE VLG, CA 91361 | PRINCIPAL LIFE INSURANCE COMPANY | — | $18K | $18K | 3.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29848 NETWORK PL CHICAGO, IL 60673 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 0.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 5 CONCOURSE PKWY 17TH FL ATLANTA, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$225 | — | -$225 | — |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 5 CONCOURSE PKWY 17TH FL ATLANTA, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$34 | — | -$34 | — |
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 | 427 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 716 | $578K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 716 | $578K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 716 | $578K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 716 | $578K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 716 | $578K |
| Other(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.