| 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 | 5.35% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 4.24% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 4.26% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 5.64% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $28K | $0 | $28K | 21.05% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION ST. COLUMBIA, SC 29201 | TRUSTMARK INSURANCE COMPANY | $9K | $0 | $9K | 13.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 5.94% |
| VISTA ADVISORS LLC3 Filed as: VISTA INSURANCE, LLC | 2023 BAY STREET BRISTOL, TN 37620 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 3.68% |
| WILLIAM JUDGE JR3 Filed as: WILLIAM JUDGE | 2023 BAY STREET BRISTOL, TN 37620 | TRUSTMARK INSURANCE COMPANY | $725 | $0 | $725 | 1.10% |
| DANNY R. OSTER3 Filed as: DANNY R OSTER | 11812 SAWGRASS LANE FREDRICKSBURG, VA 22407 | TRUSTMARK INSURANCE COMPANY | $156 | $0 | $156 | 0.24% |
| 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 | $5K | $0 | $5K | 9.06% |
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 | 609 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 1,185 | $479K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 951 | $61K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 609 | $362K |
| Short-term disability | STANDARD INSURANCE COMPANY | 609 | $250K |
| Long-term disability | STANDARD INSURANCE COMPANY | 609 | $161K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 609 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,185 | — |
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.