| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 4951 LAKE BROOK DR SUITE 300 GLEN ALLEN, VA 23060 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 5.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 12882 COLLECTION CENTER DR CHICAGO, IL 606930128 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $717 | $3K | 7.26% |
| BENEFIT SPECIALISTS OF VA, INC.3 Filed as: BENEFIT SPECIALISTS OF VA INC. | P. O. BOX 2164 POQUOSON, VA 23662 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $526 | — | $526 | 7.21% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $171 | — | $171 | 2.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 3190 FAIRVIEW PARK DRIVE SUITE 400 FALLS CHURCH, VA 220424546 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 1.63% |
| DORBAND INS. & FIN SVCS INC.3 | 1312 E. LITTLE CREEK ROAD A1 NORFOLK, VA 23518 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $98 | — | $98 | 1.34% |
| MRM & ASSOCS OF AMERICA LTD3 | 6265 SMOKEY RIDGE ROAD ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 0.90% |
| MICHELLE DAWN HYDE LAWSON3 | P. O. BOX 443 LOVINGTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 0.90% |
| 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 COMPANY | $56 | — | $56 | 0.77% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.60% |
| LEONARD J. AMENT3 | 3115 WESTERN BRANCH BLVD. SUITE 105 CHESAPEAKE, VA 23321 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.27% |
| KEITH R. DORBAND3 | 1312 E. LITTLE CREEK ROAD SUITE 1A NORFOLK, VA 23518 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.16% |
| GEORGE BUDD3 | 4609 REVERE DRIVE VIRGINIA BEACH, VA 23456 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 12882 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $479 | — | $479 | 8.32% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 544 | $37K |
| Vision | VISION SERVICE PLAN | 199 | $6K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 298 | $74K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 298 | $74K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 298 | $74K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 305 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.