| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 01788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $34K | $34K | 2.99% |
| WILLIS TOWERS WATSON US LLC3 | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | HARTFORD LIFE AND ACCIDENT | $69K | — | $69K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 | 801 S FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 1.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVE SUITE 300 POTOMAC, MD 20854 | DELTA DENTAL OF VIRGINA | $13K | — | $13K | 4.42% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 071880001 | VISION SERVICE PLAN | $2K | — | $2K | 5.01% |
| WILLIS TOWERS WATSON US LLC0 | 12505 PARK POTOMAC AVE SUITE 300 POTOMAC, MD 20854 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.0 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $2K | $2K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.0 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $833 | $833 | 15.00% |
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 | 447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $1.1M |
| Dental | DELTA DENTAL OF VIRGINA | 803 | $294K |
| Vision | VISION SERVICE PLAN | 374 | $47K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 426 | $460K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 426 | $460K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 426 | $460K |
| Other(2 contracts) | ZURICH AMERICAN INSURANCE COMPANY | 0 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 803 | — |
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.