| 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 300 GLEN ALLEN, VA 23060 | HEALTHKEEPERS INC | $15K | — | $15K | 1.25% |
| ADP INC3 Filed as: ADP INSURANCE AGENCY INC | 1 ADP BOULEVARD MS 625 ROSELAND, NC 07068 | HEALTHKEEPERS INC | $10K | — | $10K | 0.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | ANTHEM HEALTH PLANS OF VIRGINIA INC | $6K | — | $6K | 1.01% |
| ADP INC3 Filed as: ADP INSURANCE AGENCY INC | 1 ADP BOULEVARD MS 625 ROSELAND, NJ 07068 | ANTHEM HEALTH PLANS OF VIRGINIA INC | $4K | — | $4K | 0.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4961 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23510 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.18% |
| ADP INC3 Filed as: ADP INSURANCE AGENCY INC | 1 ADP BOULEVARD ROSELAND, NJ 07068 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 5.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.69% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23510 | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 6.70% |
| ADP INC3 Filed as: ADP INSURANCE AGENCY INC | 1 ADP BOULEVARD ROSELAND, NJ 07068 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $1K | $4K | 4.93% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | UNITED CONCORDIA INSURANCE COMPANY | — | $1K | $1K | 1.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | UNITED CONCORDIA INSURANCE COMPANY | — | $1K | $1K | 1.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23510 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.26% |
| ADP INC3 Filed as: ADP INSURANCE AGENCY INC | 1 ADP BOULEVARD ROSELAND, NJ 07068 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $663 | $3K | 7.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $715 | $715 | 1.88% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $663 | $663 | 1.74% |
| ADP INC3 Filed as: ADP INSURANCE AGENCY INC | PO BOX 28963 NEW YORK, NY 100878963 | VISION SERVICE PLAN | $564 | — | $564 | 3.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DRIVE CHICAGO, IL 606930128 | VISION SERVICE PLAN | $431 | — | $431 | 2.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23510 | UNITED CONCORDIA INSURANCE COMPANY | $63 | — | $63 | 6.64% |
| ADP INC3 Filed as: ADP INSURANCE AGENCY INC | 1 ADP BOULEVARD ROSELAND, NJ 07068 | UNITED CONCORDIA INSURANCE COMPANY | $32 | $16 | $48 | 5.06% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | UNITED CONCORDIA INSURANCE COMPANY | — | $16 | $16 | 1.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | UNITED CONCORDIA INSURANCE COMPANY | — | $16 | $16 | 1.69% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS INC | 103 | $1.8M |
| Dental(2 contracts) | UNITED CONCORDIA INSURANCE COMPANY | 140 | $85K |
| Vision | VISION SERVICE PLAN | 140 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $98K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $98K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $98K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.