| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $89K | $89K | 4.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 2.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 2.17% |
| BRIAN SHIELDS3 | 7325 BEAUFONT SPRINGS DRIVE RICHMOND, VA 23225 | DELTA DENTAL OF VIRGINIA | $94 | — | $94 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DRIVE CHICAGO, IA 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $577 | $6K | 16.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DRIVE CHICAGO, IA 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $482 | $5K | 16.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $2K | — | $2K | 11.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $962 | — | $962 | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IA 606066400 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $209 | $4K | 31.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DRIVE CHICAGO, IL 606930128 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $209 | $1K | 10.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMMPANY OF NORTH AMERICA | $1K | $183 | $2K | 16.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IL 606066400 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $157 | $2K | 32.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DRIVE CHICAGO, IL 606930128 | METROPOLITAN LIFE INSURANCE COMPANY | $650 | $157 | $807 | 11.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $722 | $87 | $809 | 16.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $236 | — | $236 | 11.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTIONS CENTER DRIVE CHICAGO, IA 60693 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $130 | — | $130 | 6.24% |
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 | 430 | 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) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 450 | $2.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 388 | $157K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 266 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 575 | $34K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 87 | $28K |
| Long-term disability | LIFE INSURANCE COMMPANY OF NORTH AMERICA | 80 | $10K |
| Other(5 contracts, 3 carriers) | AETNA BEHAVIORAL HEALTH | 3,052 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,052 | — |
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.