| 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 | — | $123K | $123K | 3.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD. SUITE 100 RICHMOND, VA 23230 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $69K | $71K | 1.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $9K | — | $9K | 2.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD. SUITE 100 RICHMOND, VA 23230 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $6K | — | $6K | 2.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC. | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 3.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL EAST BLVD. SUITE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $431 | — | $431 | 0.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 SOUTH WACKER DRIVE CHICAGO, IL 60606 | TRANSAMERICA LIFE INSURANCE COMPANY | $43K | — | $43K | 26.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | NATIONAL ACCOUNTING CENTER 26 CENTURY BLVD NASHVILLE, TN 37214 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 13.65% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET FLOOR 6 ATTN ACCOUNT AR DIRECT BILL SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 2.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC | PO BOX 101162 PASADENA, CA 911891162 | STANDARD INSURANCE COMPANY | — | $918 | $918 | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL EAST BLVD. SUITE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $305 | — | $305 | 0.37% |
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 | 635 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 646 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 876 | $3.7M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 487 | $292K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 876 | $3.7M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 781 | $152K |
| Short-term disability | STANDARD INSURANCE COMPANY | 316 | $164K |
| Long-term disability | STANDARD INSURANCE COMPANY | 191 | $83K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 876 | $3.7M |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 1,196 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,196 | — |
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.