| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVENUE NORTH COLONIAL PLAZA BIRMINGHAM, AL 35203 | ANTHEM LIFE INSURANCE COMPANY | $12K | — | $12K | 9.34% |
| 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 | $3K | — | $3K | 2.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 801 SOUTH FIGUEROA STREET STE 800 LOS ANGELES, CA 90017 | ANTHEM LIFE INSURANCE COMPANY | — | $2K | $2K | 1.41% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 1.20% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | UNITED CONCORDIA INSURANCE COMPANY | $8K | — | $8K | 6.62% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | OPTIMA HEALTH INSURANCE COMPANY | $2K | — | $2K | 2.76% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS BENEFIT ADVISORS | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21031 | EYEMED VISION CARE | $1K | — | $1K | 6.25% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS BENEFIT ADVISORS L | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21031 | EYEMED VISION CARE | $859 | — | $859 | 4.36% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | OPTIMA HEALTH PLAN | $50K | — | $50K | — |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OPTIMA HEALTH INSURANCE COMPANY | 240 | $84K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 225 | $115K |
| Vision | EYEMED VISION CARE | 263 | $20K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 285 | $129K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 285 | $129K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 285 | $129K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 285 | $129K |
| 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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.