| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO SADDLE BROOK, NJ 076635837 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $81K | $81K | 4.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | DELTA DENTAL OF NEW YORK | $3K | — | $3K | 2.50% |
| CHARLES A DUVALL III3 | 166 PIPPIN STREET ROANOKE, VA 24019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 9.62% |
| RAYMOND B LINGLE3 | 3812 CONCORD PLACE ROANOKE, VA 24018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $84 | $1K | 1.72% |
| LINDA B ALLEN3 | 110 MOUNTAIN VIEW DRIVE ROCKY MOUNT, VA 24151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $880 | $9 | $889 | 1.38% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIRCLE STE 501 MAITLAND, FL 32751 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $477 | $6 | $483 | 0.75% |
| MARK BRIAN MCROY3 | 2811 MYSTIQUE COURT ROANOKE, VA 24012 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $355 | $26 | $381 | 0.59% |
| ALTON B BARTON3 | 1911 MAYLIN DRIVE SALEM, VA 24153 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 0.17% |
| SANDRA LOWE LINGLE3 | 3812 CONCORD PLACE STE 6 ROANOKE, VA 24018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $75 | $4 | $79 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 1800 HORIZON WAY STE 400 MT LAUREL, NJ 08054 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 6.65% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $589 | — | $589 | 2.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $209 | $209 | 0.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $1K | — | $1K | 6.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 WEST PLAZA TWO SADDLE BROOK, NJ 076635837 | EYEMED VISION CARE | $466 | — | $466 | 2.49% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 8.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 ATRIUM WA STE 505 MOUNT LAUREL, NJ 08054 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 6.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $87 | $87 | 0.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 | Consulting (general) Service code 16 | — | $75K |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $1.9M |
| Dental | DELTA DENTAL OF NEW YORK | 327 | $120K |
| Vision | EYEMED VISION CARE | 255 | $19K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 205 | $25K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 77 | $16K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $1.9M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 205 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.