| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 12882 COLLECTIONS CENTER DR CHICAGO, IL 60693 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $44K | $0 | $44K | 2.92% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1430 SPRING HILL RD SUITE 320 MC CLEAN, VA 22102 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $31K | $0 | $31K | 2.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 225 SCHILLING CIR STE 150 HUNT VALLEY, MD 21031 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 5.61% |
| HM BENEFITS LLC3 Filed as: HM BENEFITS | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20807 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 3.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SVCS | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.24% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 251 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 302 | $144K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 302 | $144K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $100K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $100K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $100K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 251 | $1.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.