| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA | 12882 COLLECTIONS CENTER CHICAGO, IL 60693 | OPTIMA HEALTH PLAN | $44K | — | $44K | 2.74% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | OPTIMA HEALTH PLAN | $4K | — | $4K | 0.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DR STE 300 GLEN ALLEN, VA 23060 | ANTHEM LIFE INSURANCE COMPANY | $16K | — | $16K | 13.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SRVCS WEST | 444 MARKET ST STE 1600 SAN FRANCISCO, CA 94111 | ANTHEM LIFE INSURANCE COMPANY | — | $2K | $2K | 1.77% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 1.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA | 12882 COLLECTIONS CENTER DR CHICAGO, IL 60693 | OPTIMA HEALTH INSURANCE COMPANY | $2K | — | $2K | 2.73% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | OPTIMA HEALTH INSURANCE COMPANY | $215 | — | $215 | 0.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 12882 COLLECTIONS CENTER CHICAGO, IL 60693 | EYEMED VISION CARE | $2K | — | $2K | 9.37% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS BENEFIT ADVISORS | 200 INTERNATIONAL CIRCLE #4500 HUNT VALLEY, MD 21031 | EYEMED VISION CARE | $162 | — | $162 | 0.91% |
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 | 285 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 232 | $1.7M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 188 | $106K |
| Vision | EYEMED VISION CARE | 237 | $18K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 285 | $120K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 285 | $120K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 285 | $120K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 285 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
No prospect flags tripped on this filing.