| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD F. KIEFNER3 Filed as: RICHARD KIEFER JR | 1356 WILLOW WOOD DR NORFOLK, VA 23509 | OPTIMA ADVANTAGE | $46K | $0 | $46K | 0.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 800 NORTH GLEBE RD, FLOOR 10 ARLINGTON, VA 22203 | NATIONAL UNION FIRE INSURANCE CO. | $25K | $0 | $25K | 3.67% |
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 | 30,356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 30,365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | OPTIMA ADVANTAGE | 117,778 | $25.0M |
| Dental(3 contracts, 3 carriers) | HMSA | 1,222 | $4.6M |
| Vision | VISION SERVICE PLAN | 21,000 | $4.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 43,364 | $21.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 280 | $8.7M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 43,364 | $24.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117,778 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.