| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEE ATTACHED3 | — | AFLAC | $44K | $12K | $56K | 20.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 7.44% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 4.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $533 | $4K | 2.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 11.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.08% |
| EDWARD SIMS3 Filed as: EDWARD OWENS | PO BOX 946 SOUTH BOSTON, VA 24592 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 11.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.17% |
| EDWARD SIMS3 Filed as: EDWARD OWENS | PO BOX 946 SOUTH BOSTON, VA 24592 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $996 | — | $996 | 1.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 11.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.18% |
| EDWARD SIMS3 Filed as: EDWARD OWENS | PO BOX 946 SOUTH BOSTON, VA 24592 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $872 | — | $872 | 1.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $859 | — | $859 | 14.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20 | — | $20 | 0.33% |
| EDWARD SIMS3 Filed as: EDWARD OWENS | PO BOX 946 SOUTH BOSTON, VA 24592 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13 | — | $13 | 0.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE #300 GLEN ALLEN, VA 23060 | EYEMED VISION CARE | $504 | — | $504 | 9.16% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION - EXCHANGE | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | EYEMED VISION CARE | $263 | — | $263 | 4.78% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | EYEMED VISION CARE | $128 | — | $128 | 2.33% |
| EDWARD SIMS3 Filed as: EDWARD OWENS AGENCY | PO BOX 946 SOUTH BOSTON, VA 24592 | EYEMED VISION CARE | $85 | — | $85 | 1.54% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 737 MAIN STREET BUFFALO, NY 14203 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $389 | $532 | $921 | 23.72% |
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 | 716 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 719 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 396 | $176K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 402 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 716 | $77K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 47 | $60K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 46 | $69K |
| Other(3 contracts, 3 carriers) | AFLAC | 712 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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.