| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1801 K ST NW, WASHINGTON, DC 200061301 | AETNA LIFE INSURANCE COMPANY | $9K | $595 | $9K | 4.41% |
| LOCKTON COMPANIES, LLC3 | 725 S. FIGUEROA STREET 5TH FLOOR LOS ANGELES, CA 90017 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET NEW YORK, NY 10038 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 30.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBBOX 28852 P.O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $14K | $18K | — |
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 | 5,737 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 130 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,947 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES | 578 | $5.8M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF VIRGINIA | 8,177 | $3.2M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,975 | $857K |
| Life insurance(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,775 | $914K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,637 | $654K |
| Prescription drug(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES | 578 | $5.6M |
| Other(6 contracts, 5 carriers) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 6,579 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,177 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.