| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DRIVE CHICAGO, IL 606930128 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $3K | $22K | 10.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | PO BOX 3110 RESTON, VA 20195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $197 | $24K | 15.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | PO BOX 3110 RESTON, VA 20195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $468 | $24K | 15.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | PO BOX 3110 RESTON, VA 20195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $479 | $23K | 15.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | EYEMED | $2K | — | $2K | 9.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | PO BOX 3110 RESTON, VA 20195 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $80 | $2K | 15.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | EYEMED | $700 | — | $700 | 9.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $587 | — | $587 | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | EYEMED | $637 | — | $637 | 11.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VI 23060 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $361 | — | $361 | 9.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | EYEMED | $127 | — | $127 | 7.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | EYEMED | $127 | — | $127 | 7.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | EYEMED | $42 | — | $42 | 25.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | EYEMED | $7 | — | $7 | 11.67% |
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 | 960 | 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) | 962 | 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 | 0 | $8K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 680 | $215K |
| Vision(8 contracts) | EYEMED | 267 | $38K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 960 | $158K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 302 | $324K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 297 | $159K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 960 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 960 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.