| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $18K | $2K | $19K | 24.36% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $19K | $1K | $20K | 26.93% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $16K | $1K | $17K | 27.80% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G SMITH | 1136 MASTERS ROW CHESAPEA KE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 19.73% |
| ELIZABETH GRELLNER3 | 101 S HANLEY ROAD STE 900 ST. LOUIS, MO 63105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 10.27% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 11310 EAST OCEAN VIEW AVE NORFOLK, VA 23503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $944 | — | $944 | 5.20% |
| GLENN E SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $666 | — | $666 | 3.67% |
| JOHN RAY BALLINGER3 Filed as: JOHN BALLINGER | 2456 KERR DR # L-65 VIRGINIA BEACH, VA 234546581 | CONTINENTAL AMERICAN INSURANCE COMPANY | $234 | — | $234 | 1.29% |
| NICHOLAS WAGNER3 | 1508 BACK COVE RD VIRGINIA BEACH, VA 23454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | — | $149 | 0.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES G BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.13% |
| SHAWN K STEPHENS3 | 293 INDEPENDENCE BLVD SUITE 218 VIRGINIA BEACH, VA 23462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.09% |
| LEIANN D WATKINS3 | 2325 SEA SHELL RD. #304 VIRGINIA BEACH, VA 23451 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| DAVID N MORGAN3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| RICHARD KRESINSKE3 | PO BOX 15341 CHESAPEA KE, VA 23328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $99 | — | $99 | 10.01% |
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 | 2,160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 31 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,514 | $222K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,568 | $440K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,944 | $897K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,843 | $949K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 2,504 | $347K |
| Other(7 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,568 | $815K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,568 | — |
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."
No prospect flags tripped on this filing.