| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 4951 LAKE BROOK DRIVE, STE 300 GLEN ALLEN, VA 23060 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $86K | $86K | 3.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 12505 PARK POTOMAC AVE #300 POTOMAC, MD 20854 | UNITED HEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VA INC | 150 W. MAIN ST., #1840, 18TH FL NORFOLK, VA 23510 | DELTA DENTAL OF VIRGINIA | $12K | — | $12K | 5.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 4.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VA INC | 12882 COLLECTION CENTER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 9.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 4951 LAKE BROOK DRIVE, STE 300 GLEN ALLEN, VA 23060 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.06% |
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 | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 619 | $2.8M |
| Dental | DELTA DENTAL OF VIRGINIA | 716 | $248K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 410 | $37K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 461 | $121K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 333 | $179K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 333 | $179K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 461 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.