| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 12748 ROANOKE, VA 24028 | AETNA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $9K | $30K | 25.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | -$503 | -$503 | -0.43% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS INC | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$2K | $0 | -$2K | -1.70% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $596 | $0 | $596 | 5.02% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS IN | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $186 | $0 | $186 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $65 | $65 | 1.75% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 186 | $1.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 186 | $1.4M |
| Vision | VISION SERVICE PLAN | 72 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $122K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $118K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $118K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.