| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US LLP | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | DELTA DENTAL OF VIRGINIA | $154K | — | $154K | 3.47% |
| USI INSURANCE SERVICES LLC3 | 9020 STONY POINT PARKWAY, SUITE 100 RICHMOND, VA 23235 | DELTA DENTAL OF VIRGINIA | $151K | — | $151K | 3.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203510 DALLAS, TX 75320 | AETNA LIFE INSURANCE COMPANY | $60K | — | $60K | 2.89% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $43K | — | $43K | 2.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203491 DALLAS, TX 753203493 | VISION SERVICE PLAN | $50K | — | $50K | 4.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 12882 COLLECTION CENTER DR CHICAGO, IL 606930128 | VISION SERVICE PLAN | $33K | — | $33K | 2.92% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $4K | — | $4K | 0.40% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 28852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $98K | — | $98K | 9.28% |
| USI INSURANCE SERVICES LLC7 Filed as: USI INSURANCE SERVICES NA | PO BOX 203508 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $82K | — | $82K | 7.72% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $92K | — | $92K | 9.20% |
| USI INSURANCE SERVICES LLC7 | PO BOX 203508 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $78K | — | $78K | 7.77% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $62K | — | $62K | 6.60% |
| USI INSURANCE SERVICES LLC7 Filed as: USI INSURANCE SERVICES NA | PO BOX 203508 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $51K | — | $51K | 5.40% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK, SUITE 400 FALLS CHURCH, VA 22042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $141K | $27K | $169K | 24.34% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 288522 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 1.02% |
| DIRECTPATH, LLC3 | 120 18TH STREET S, SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.49% |
| WILLIS TOWERS WATSON US LLC7 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 9.22% |
| USI INSURANCE SERVICES LLC7 Filed as: USI INSURANCE SERVICES NA | PO BOX 203508 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 7.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3190 FAIRVIEW PARK DR, STE 400 FALLS CHURCH, VA 220424546 | UNITEDHEALTHCARE INSURANCE COMPANY | $486 | — | $486 | 7.44% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK DR, STE 400 FALLS CHURCH, VA 220424546 | UNITEDHEALTHCARE INSURANCE COMPANY | $109 | — | $109 | 1.67% |
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 | 6,167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,366 | $2.3M |
| Dental | DELTA DENTAL OF VIRGINIA | 11,672 | $4.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 11,377 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 25 | $1.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $941K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1.1M |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 25 | $167K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 4,414 | $2.3M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13,044 | $904K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,044 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.