| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 4951 LAKE BROOK DR STE 300 GLEN ALLEN, VA 23060 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 3.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 12882 COLLECTION CENTER DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $828 | $11K | 38.63% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $355 | $5K | 16.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 12882 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $809 | — | $809 | 3.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 12882 COLLECTION CENTER DR CHICAGO, IL 606930128 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $876 | — | $876 | 8.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $149K |
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 | 350 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 263 | $21K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 350 | $140K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 350 | $162K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 350 | $151K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 350 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.