| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | ONE SOUTH JEFFERSON STREET ROANOKE, VA 24066 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $11K | 7.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $2K | $20K | 16.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $1K | $17K | 16.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $981 | $13K | 16.21% |
| MARSH & MCLENNAN AGENCY LLC3 | BOSTON, M 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | $0 | $2K | 9.33% |
| VINCE CALLAHAN3 | 3916 HOLLY AVE NORFOLK, VA 23504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.85% |
| YVONNE M. MILLS3 Filed as: YVONNE M MILLS | 1037 BRIARWOOD POINT VIRGINIA BEACH, VA 234541363 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $213 | $0 | $213 | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | $0 | $145 | 0.70% |
| STEPHEN E. CROWE3 Filed as: STEPHEN PATRICK DAY | 9119 OTIS AVE INDIANAPOLIS, IN 46216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120 | $0 | $120 | 0.58% |
| ROSS G. WINFIELD3 Filed as: ROSS G WINFIELD | 277 BENDIX ROAD STE 500 VIRGINIA BEACH, VA 234521363 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $117 | $0 | $117 | 0.57% |
| TRION GROUP, INC.3 Filed as: TRION GROUP, | MARSH MCLENNAN AGENCY LLC CO 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $62 | $62 | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $52 | $2K | 15.39% |
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 | 344 | 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) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | SHMSSI (SENTARA HEALTH PLANS) | 145 | $22K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 255 | $145K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 358 | $24K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 344 | $142K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 344 | $81K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 344 | $106K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 344 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.