| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 4951 LAKE BROOK DRIVE GLEN ALLEN, VA 23060 | HARTFORD LIFE AND ACCIDENT | $142K | — | $142K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VA INC | 4818 STARKEY ROAD ROANOKE, VA 240188542 | DELTA DENTAL OF VIRGINIA | $37K | — | $37K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DR CHICAGO, IL 606930128 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $13K | $47K | 10.40% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB ROGAL HAMILTON CO OF VA INC | 1902 CAMPUS COMMONS DRIVE STE 440 RESTON, VA 20195 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINA INC EIN 54-0357120 THIRD PARTY | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue; Other services; Contract Administrator Service code 12 | 1351WM HOWARD TAFT ROAD CINCINNATI, OH 452061721 | $1.7M |
| ANTHEM HEALTH PLANS OF VIRGINIA INC | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $122K |
| WILLIS HEALTH EIN 54-1200815 THIRD PARTY | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 4951 LAKE BROOKE DRIVE SUITE 300 GLEN ALLEN, VA 23060 | $0 |
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 | 641 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 0 | $0 |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 1,779 | $1.2M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 0 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 548 | $1.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 548 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 548 | $1.4M |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 548 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,779 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.