| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 400 GLEN ALLEN, VA 23060 | CAREFIRST BLUECHOICE/CFMI | — | $88 | $88 | 0.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 400 GLEN ALLEN, VA 23060 | AETNA | $10K | — | $10K | 5.43% |
| LIAZON BENEFITS INC5 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 4.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DRIVE CHICAGO, IL 606930128 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DRIVE CHICAGO, IL 606930128 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $695 | $7K | 20.08% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $8 | $2K | 4.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DRIVE CHICAGO, IL 606930128 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $610 | $6K | 20.17% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $8 | $1K | 4.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | — | $864 | $864 | 16.14% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: CT HELLMUTH & ASSOCIATES INC | 8401 CONNECTICUT AVENUE SUITE 501 CHEVY CHASE, MD 20815 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $372 | $173 | $545 | 13.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 2.22% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: CT HELLMUTH & ASSOCIATES INC | 8401 CONNECTICUT AVENUE SUITE 501 CHEVY CHASE, MA 20815 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $135 | $126 | $261 | 11.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $164 | — | $164 | 7.18% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAREFIRST BLUECHOICE/CFMI | 214 | $2.4M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 161 | $181K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 197 | $76K |
| Life insurance | AETNA | 311 | $177K |
| Long-term disability(3 contracts, 2 carriers) | AETNA | 311 | $183K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE/CFMI | 214 | $2.4M |
| Other(4 contracts, 3 carriers) | AETNA | 311 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.