| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC. | 4951 LAKE BROOK DR., SUITE 300 GLEN ALLEN, VA 23060 | HEALTHKEEPERS, INC. | $27K | — | $27K | 2.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | ANTHEM LIFE INSURANCE COMPANY | $7K | — | $7K | 8.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CALIFORNIA | I-801 SOUTH FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | ANTHEM LIFE INSURANCE COMPANY | — | $5K | $5K | 5.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 4951 LAKE BROOK DR. SUITE 300 GLEN ALLEN, VA 23060 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $5K | — | $5K | 7.00% |
| GARY W GOYER3 Filed as: GARY W. GOYER * | VARIOUS AGENTS AND BROKERS 5463 WINESAP DR. ROANOKE, VA 24019 | AFLAC | $12K | $325 | $12K | 18.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC. | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 8.12% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 141 | $1.2M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 140 | $73K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 181 | $13K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 168 | $77K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 168 | $77K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 168 | $77K |
| Other | AFLAC | 91 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.