| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE GLEN ALLEN, VA 230609272 | HUMANA | $4K | — | $4K | 2.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA INC | 1 GLENLAKE PARKWAY 11TH FLOOR ATLANTA, GA 303283496 | HUMANA | — | $3K | $3K | 1.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 150 W MAIN STREET 1850 NORFOLK, VA 23510 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 10.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | PO BOX 3110 RESTON, VA 20195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $3K | $10K | 20.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | PO BOX 3110 RESTON, VA 20195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $9K | 18.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | PO BOX 3110 RESTON, VA 20195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $5K | 22.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | PO BOX 3110 RESTON, VA 20195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $416 | $1K | 20.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 150 W MAIN STREET 1840 NORFOLK, VA 23510 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $710 | — | $710 | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 150 W MAIN STREET 1840 NORFOLK, VA 23510 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $316 | — | $316 | 9.99% |
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 | 1,634 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA INC | 197 | $2K |
| Dental | HUMANA | 374 | $191K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,160 | $51K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 572 | $54K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 372 | $20K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,162 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,162 | — |
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.