| 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 | HEALTHKEEPERS, INC. | $154K | — | $154K | 5.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA | 4951 LAKE BROOKD DRIVE, STE. 400 GLEN ALLEN, VA 23060 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $9K | — | $9K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC. | 4951 LAKE BROOK DRIVE SUITE 400 GLEN ALLEN, VA 23060 | SYMETRA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 7.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINA INC. | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | ANTHEM LIFE INSURANCE COMPANY | $9K | — | $9K | 9.05% |
| FOCUS 3 BENEFITS LLC3 | 1312 WEST MAIN STREET SALEM, VA 24153 | AMERICAN HERITAGE LIFE INSURANCE | $10K | — | $10K | 13.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC. | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | AMERICAN HERITAGE LIFE INSURANCE | $5K | — | $5K | 6.78% |
| JULIE THOMPSON PRIOR3 | 600 FERN MEADOW LOOP DRIVE SUITE 306 MIDLOTHIAN, VA 23114 | AMERICAN HERITAGE LIFE INSURANCE | $3K | — | $3K | 4.19% |
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 | 435 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTHKEEPERS, INC. | 341 | $3.2M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 354 | $189K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 553 | $41K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 437 | $103K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 221 | $188K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 221 | $188K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 437 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.