| 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 | SYMETRA LIFE INSURANCE COMPANY | — | $901 | $901 | 1.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 150 W. MAIN ST SUITE 1840 NORFOLK, VA 23510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 30.31% |
| LINDA E BARTON3 | 8322 BEN NEVIS DR RICHMOND, VA 23235 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 18.18% |
| JOHNNA STEWART3 | 4820 LAKE BROOK DR GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.77% |
| RUEANN M EMERSON3 Filed as: RUEANN M. EMERSON | 4820 LAKE BROOK DR. STE 125 GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.58% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SONS | 1700 BAYBERRY CT RICHMOND, VA 23226 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $263 | — | $263 | 0.57% |
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 | 574 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 878 | $203K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 643 | $46K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 603 | $130K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 603 | $69K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 603 | $69K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 603 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 878 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.