| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 3625 N ELM ST STE 200 GREENSBORO, NC 27455 | DELTA DENTAL OF VIRGINIA | $26K | $0 | $26K | 5.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR #100 SAN DIEGO, CA 92122 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 2.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR #100 SAN DIEGO, CA 92122 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 3.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR #100 SAN DIEGO, CA 92122 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 4.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR#100 SAN DIEGO, CA 92122 | STANDARD INSURANCE COMPANY | $29K | $0 | $29K | 20.93% |
| VISTA ADVISORS LLC3 Filed as: VISTA INSURANCE INC | 1101 VOLUNTEER PKWY - SUITE 5 BOX 2 BRISTOL, TN 37620 | TRUSTMARK INSURANCE COMPANY | $24K | $0 | $24K | 37.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 4900 LIBBIE EAST BLVD - SUITE 100 RICHMOND, VA 23230 | TRUSTMARK INSURANCE COMPANY | $15K | $0 | $15K | 24.34% |
| WILLIAM JUDGE JR3 Filed as: WILLIAM JUDGE | 32 GREAT OAK RD CARTERSVILLE, VA 23027 | TRUSTMARK INSURANCE COMPANY | $7K | $0 | $7K | 11.48% |
| DANNY R. OSTER3 Filed as: DANNY R ROSTER | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 2.05% |
| ROBERT COLE3 Filed as: ROBERT S COLE | 911 NORTHEAST 11TH STREET CAPE CORAL, FL 33909 | TRUSTMARK INSURANCE COMPANY | $877 | $0 | $877 | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 E LIBBIE MILL E BLVD #100 RICHMOND, VA 23230 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $6K | $0 | $6K | 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 | 654 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 1,181 | $481K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 913 | $59K |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 654 | $417K |
| Short-term disability | STANDARD INSURANCE COMPANY | 654 | $279K |
| Long-term disability | STANDARD INSURANCE COMPANY | 654 | $186K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 654 | $555K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,181 | — |
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.