| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTIONS CENTER CHICAGO, IL 60693 | OPTIMA HEALTH PLAN | $2K | — | $2K | 1.62% |
| ATLANTIC BENEFITS LLC3 Filed as: ATLANTIC BENEFITS CORP | PO BOX 274 CLOVERDALE, VA 24077 | OPTIMA HEALTH PLAN | $892 | — | $892 | 0.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTIONS CENTER CHICAGO, IL 60693 | OPTIMA HEALTH PLAN | $1K | — | $1K | 1.39% |
| ATLANTIC BENEFITS LLC3 Filed as: ATLANTIC BENEFITS CORP | PO BOX 274 CLOVERDALE, VA 24077 | OPTIMA HEALTH PLAN | $736 | — | $736 | 0.85% |
| JAMES GLENN HALSEY3 | 99 MALLARD POINT DRIVE ROANOKE, VA 24077 | GUARDIAN | $7K | — | $7K | 9.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE STE 400 GLEN ALLEN, VA 23060 | GUARDIAN | $571 | — | $571 | 0.72% |
| L3 ADVISORY, LLC3 Filed as: L3 ADVISORY LLC | 7101 WISCONSIN AVE STE 1200 BETHESDA, MD 20814 | GUARDIAN | -$11 | — | -$11 | -0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTIONS CENTER CHICAGO, IL 60693 | OPTIMA HEALTH PLAN | $666 | — | $666 | 1.39% |
| ATLANTIC BENEFITS LLC3 Filed as: ATLANTIC BENEFITS CORP | PO BOX 274 CLOVERDALE, VA 24077 | OPTIMA HEALTH PLAN | $415 | — | $415 | 0.86% |
| GILLESPIE AGENCY LLC3 | 119 W LEE AVE VINTON, VA 24179 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 50.72% |
| JAMES GLENN HALSEY3 | 2028 ELECTRIC ROAD ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTIONS CENTER CHICAGO, IL 60693 | OPTIMA HEALTH PLAN | $186 | — | $186 | 1.31% |
| ATLANTIC BENEFITS LLC3 Filed as: ATLANTIC BENEFITS CORP | PO BOX 274 CLOVERDALE, VA 24077 | OPTIMA HEALTH PLAN | $133 | — | $133 | 0.94% |
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 | 356 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | OPTIMA HEALTH PLAN | 27 | $289K |
| Dental | GUARDIAN | 89 | $80K |
| Vision | GUARDIAN | 89 | $80K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 212 | $101K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 212 | $21K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 212 | $101K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 212 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.