| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA | 12882 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $85K | $20K | $105K | 13.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | DELTA DENTAL OF VIRGINIA | $24K | — | $24K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTIONS CENTER DRIVE CHICAGO, IL 606930128 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $4K | $16K | 5.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA | 12882 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $25K | $6K | $31K | 13.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA | 12882 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $25K | $6K | $30K | 13.21% |
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 | 858 | 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) | 858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 727 | $746K |
| Vision | VISION SERVICE PLAN | 651 | $114K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 959 | $764K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 951 | $231K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 937 | $235K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 959 | $764K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 959 | — |
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.