| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 4951 LAKE BROOK DR., STE 300 GLEN ALLEN, VA 23060 | HEALTHKEEPERS, INC. (G1608) | $17K | — | $17K | 2.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 4951 LAKE BROOK DR., STE 300 GLEN ALLEN, VA 23060 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $1K | — | $1K | 3.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | C/O INNOTECH 233 S WACKER DR STE 1875 CHICAGO, IL 606066400 | ALLSTATE | $3K | — | $3K | 11.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DR SUITE 300 GLEN ALLEN, VA 23060 | ALLSTATE | $1K | — | $1K | 5.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA | 4591 LAKE BROOK DRIVE STE 300 GLEN ALLEN, VA 23060 | CITIZENS SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.