| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | SENTARA ADVANTAGE POS M/C (OHP) | $9K | — | $9K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | SENTARA ADVANTAGE POS M/C (OHP) | $8K | — | $8K | 2.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | SENTARA ADVANTAGE POS M/C (OHP) | $4K | — | $4K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | SENTARA ADVANTAGE POS M/C (OHP) | $4K | — | $4K | 1.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | ANTHEM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 4.90% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $359 | $5K | 15.90% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $148 | — | $148 | 5.01% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | SENTARA ADVANTAGE POS M/C (OHP) | 65 | $1.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 142 | $63K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 109 | $30K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 597 | $103K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 597 | $103K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 597 | $103K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 597 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.