| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $68K | $32K | $100K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | RELIASTAR LIFE INSURANCE COMPANY | $120K | — | $120K | 19.52% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY LLC | DBA ALIGHT SOLUTIONS LLC 4 OVERLOOK PT LINCOLNSHIRE, IL 600694337 | RELIASTAR LIFE INSURANCE COMPANY | — | $25K | $25K | 4.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 E RANDOLPH STREET CHICAGO, IL 60694 | RELIASTAR LIFE INSURANCE COMPANY | $16K | — | $16K | 2.65% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100870001 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | — | $7K | 3.61% |
| WILLIS TOWERS WATSON US LLC3 | 250 MONROE AVENUE NW SUITE 400 GRAND RAPIDS, MI 49503 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $6K | $900 | $7K | 4.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | ATTN AON CORP #29840 131 S DEARBORN 6TH FL CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $4K | $2K | $6K | 4.16% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100870001 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 3.66% |
| WILLIS TOWERS WATSON US LLC3 | 38 EASTWOOD DRIVE SUITE 300 SOUTH BURLINGTON, VT 05403 | KAISER FOUNDATION HEALTH PLAN, INC. | $892 | $150 | $1K | 4.09% |
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 | 3,685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS (G1605) | 5,947 | $2.8M |
| Dental | DELTA DENTAL OF VIRGINIA | 6,041 | $0 |
| Vision | VISION SERVICE PLAN | 2,634 | $346K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 3,664 | $2.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,664 | $2.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,664 | $2.5M |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS (G1605) | 5,947 | $2.3M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS (G1605) | 5,947 | $2.3M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 5,947 | $5.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,041 | — |
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.