| 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 400 GLEN ALLEN, VA 23060 | OPTIMA HEALTH PLAN | $4K | — | $4K | 1.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE STE 400 GLEN ALLEN, VA 23060 | GUARDIAN | $5K | — | $5K | 10.45% |
| L3 ADVISORY, LLC4 Filed as: L3 ADVISORY LLC | 7101 WISCONSI AVE STE 1200 BETHESDA, MD 20814 | GUARDIAN | $27 | — | $27 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE STE 400 GLEN ALLEN, VA 23060 | OPTIMA HEALTH PLAN | $811 | — | $811 | 1.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE STE 400 GLEN ALLEN, VA 23060 | OPTIMA HEALTH PLAN | $767 | — | $767 | 2.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE STE 400 GLEN ALLEN, VA 23060 | OPTIMA HEALTH PLAN | $502 | — | $502 | 1.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 233 S WACKER DR CHICAGO, IL 60606 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | — | $16K | 63.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE STE 400 GLEN ALLEN, VA 23060 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE STE 400 GLEN ALLEN, VA 23060 | OPTIMA HEALTH PLAN | $214 | — | $214 | 2.25% |
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 | 326 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | OPTIMA HEALTH PLAN | 74 | $318K |
| Dental | GUARDIAN | 51 | $52K |
| Vision | GUARDIAN | 51 | $52K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 167 | $77K |
| Long-term disability | GUARDIAN | 51 | $52K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 167 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.