| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF VRGINIA DBA ANTHEM BCBS (G1605) | $6K | $0 | $6K | 5.90% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $7K | $0 | $7K | 12.83% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 14.31% |
| MCGRIFF INSURANCE SERVICES INC3 | 550 S CALDWELL ST STE 1500 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $394 | $0 | $394 | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 20.98% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $165 | $165 | 4.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $75 | $75 | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $45 | $45 | 5.23% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VRGINIA DBA ANTHEM BCBS (G1605) | 223 | $195K |
| Dental | ANTHEM HEALTH PLANS OF VRGINIA DBA ANTHEM BCBS (G1605) | 223 | $109K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $31K |
| Life insurance(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY (G1400) | 209 | $70K |
| Short-term disability(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY (G1400) | 209 | $68K |
| Long-term disability(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY (G1400) | 209 | $67K |
| Other(4 contracts, 4 carriers) | ANTHEM LIFE INSURANCE COMPANY (G1400) | 209 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.