| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 9020 STONY POINT PARKWAY SUITE 100 RICHMOND, VA 23235 | DELTA DENTAL OF VIRGINIA | $6K | — | $6K | 3.12% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | DELTA DENTAL OF VIRGINIA | $6K | — | $6K | 2.86% |
| H VANDERPOOL INSURANCE SOLUTIONS3 | 28202 CABOT RD STE 300 LAGUNA NIGUEL, CA 92677 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 5.04% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $28K | — | $28K | 88.30% |
| USI INSURANCE SERVICES LLC3 | PO BOX 203491 DALLAS, TX 753203493 | VISION SERVICE PLAN | $859 | — | $859 | 2.69% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $161 | $2K | 7.99% |
| H VANDERPOOL INSURANCE SOLUTIONS3 | 28202 CABOT RD SUITE 300 LAGUNA NIGUEL, TX 92677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.62% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $29 | $1K | 6.83% |
| H VANDERPOOL INSURANCE SOLUTIONS3 | 28202 CABOT RD STE 300 LAGUNA NIGUEL, CA 92677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $445 | — | $445 | 2.85% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $964 | $80 | $1K | 8.46% |
| H VANDERPOOL INSURANCE SOLUTIONS3 | 28202 CABOT RD STE 300 LAGUNA NIGUEL, CA 92677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $888 | — | $888 | 7.20% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $481 | $28 | $509 | 7.66% |
| H VANDERPOOL INSURANCE SOLUTIONS3 | 28202 CABOT ROAD, SUITE 300 LAGUNA NIGUEL, CA 92677 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 3.10% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $478 | $40 | $518 | 8.33% |
| H VANDERPOOL INSURANCE SOLUTIONS3 | 28202 CABOT RD STE 300 LAGUNA NIGUEL, CA 92677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $455 | — | $455 | 7.31% |
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 | 442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 451 | $262K |
| Vision | VISION SERVICE PLAN | 305 | $32K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $19K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 89 | $22K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 34 | $26K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 493 | $271K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 89 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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.
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.