| 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 | $3K | — | $3K | 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 | $3K | — | $3K | 2.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE STE 400 GLEN ALLEN, VA 23060 | GUARDIAN | $8K | — | $8K | 10.66% |
| L3 ADVISORY, LLC3 Filed as: L3 ADVISORY LLC | 7101 WISCONSIN AVE STE 1200 BETHESDA, MD 20814 | GUARDIAN | $21 | — | $21 | 0.03% |
| GILLESPIE AGENCY LLC3 | 119 W LEE AVE VINTON, VA 24179 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29K | — | $29K | 44.19% |
| JAMES GLENN HALSEY3 | 2028 ELECTRIC ROAD ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 11.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE STE 400 GLEN ALLEN, VA 23060 | OPTIMA HEALTH PLAN | $842 | — | $842 | 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 | $281 | — | $281 | 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 | 505 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | OPTIMA HEALTH PLAN | 43 | $354K |
| Dental | GUARDIAN | 110 | $75K |
| Vision | GUARDIAN | 110 | $75K |
| Life insurance | GUARDIAN | 110 | $75K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 300 | $66K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 300 | $141K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 300 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.