| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | DELTA DENTAL OF VIRGINIA | $13K | — | $13K | 3.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 9020 STONY POINT PARKWAY SUITE 100 RICHMOND, VA 23235 | DELTA DENTAL OF VIRGINIA | $11K | — | $11K | 2.96% |
| BENEFIT GUARANTY LLC3 | 606 COX STREET SIMPSONVILLE, SC 29681 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $63K | — | $63K | 21.59% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP | 2340 HARDSCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $9K | — | $9K | 3.18% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 8.27% |
| USI INSURANCE SERVICES LLC7 | PO BOX 203508 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 6.73% |
| USI INSURANCE SERVICES LLC7 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 203508 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 3.28% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $632 | — | $632 | 0.62% |
| USI INSURANCE SERVICES LLC7 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203508 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.52% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.87% |
| USI INSURANCE SERVICES LLC3 | PO BOX 203491 DALLAS, TX 753203493 | VISION SERVICE PLAN | $1K | — | $1K | 2.04% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $409 | — | $409 | 0.79% |
| USI INSURANCE SERVICES LLC7 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203508 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $902 | — | $902 | 8.16% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $747 | — | $747 | 6.76% |
| USI INSURANCE SERVICES LLC7 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203508 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $209 | — | $209 | 14.07% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14 | — | $14 | 0.94% |
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 | 649 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 674 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 903 | $374K |
| Vision | VISION SERVICE PLAN | 371 | $52K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $102K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $63K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,036 | $419K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,036 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.