| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 P.O. BOX #28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.52% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 P.O. BOX #28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | $1K | $48K | 10.28% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 P.O. BOX #28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.25% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 P.O. BOX #28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.23% |
| LOCKTON COMPANIES, LLC3 Filed as: SERIES OF LOCKTON COMPANIES | 1801 K ST NW WASHINGTON, DC 20006 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX #28852 P.O. BOX #28852 NEW YORK, NY 100878852 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $838 | $838 | 1.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET NEW YORK, NY 10038 | ACE AMERICAN INSURANCE COMPANY | $11K | — | $11K | 30.00% |
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 | 6,078 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 158 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,282 | 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 | 505 | $6.3M |
| Dental | DELTA DENTAL OF VIRGINIA | 8,223 | $3.2M |
| Vision | VISION SERVICE PLAN | 3,123 | $665K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,134 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,811 | $845K |
| Prescription drug(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 505 | $5.9M |
| Other(5 contracts, 4 carriers) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 7,137 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,223 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.