| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MD., INC. | 12505 PARK POTOMAC AVENUE SUITE 300 POROMAC, MD 20854 | AETNA LIFE INSURANCE COMPANY | $0 | $164K | $164K | 3.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MA, INC | THREE COPLEY PLACE, SUITE 300 BOSTON, MA 02116 | AETNA LIFE INSURANCE COMPANY | $0 | $133 | $133 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MD, INC. | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | DELTA DENTAL OF VIRGINIA | $15K | $0 | $15K | 4.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | PO BOX 13784 NEWARK, NJ 07188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $2K | $28K | 11.98% |
| ENROLLMENT RESOURCES GROUP3 | 233 S WACKER DRIVE, SUITE 1875 CHICAGO, IL 60603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $354 | $4K | 1.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | 225 SCHILLING CIRCLE, SUITE 150 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $140 | $2K | 0.80% |
| ENROLLMENT RESOURCES GROUP3 | 233 S WACKER DRIVE, SUITE 1875 CHICAGO, IL 60603 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $852 | $11K | 10.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | 225 SCHILLING CIRCLE, SUITE 150 HUNT VALLEY, MD 21031 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $322 | $5K | 4.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | PO BOX 13784 NEWARK, NJ 07188 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.49% |
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 | 855 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 904 | $5.3M |
| Dental | DELTA DENTAL OF VIRGINIA | 989 | $312K |
| Vision | VISION SERVICE PLAN | 435 | $57K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 855 | $340K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 242 | $105K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 855 | $235K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 904 | $5.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 855 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 989 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.