| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 12748 ROANOKE, VA 24028 | SENTARA HEALTH PLAN | $10K | $0 | $10K | 3.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 12748 ROANOKE, VA 24028 | SHIC PPO | $15K | $0 | $15K | 5.66% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 STE 401 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $288 | $7K | 9.44% |
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 14.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 12748 ROANOKE, VA 24028 | SENTARA HEALTH PLAN | $5K | $0 | $5K | 18.20% |
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 4.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.57% |
| CALLAHAN VINCE THOMAS3 | 3916 HOLLY AVE NORFOLK, VA 23504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $779 | $0 | $779 | 6.24% |
| MILLS YVONNE M3 | 1037 BRIARWOOD POINT VIRGINIA BEACH, VA 23452 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $199 | $0 | $199 | 1.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106 | $0 | $106 | 0.85% |
| TRION GROUP, INC.3 Filed as: TRION GROUP, | MARSH MCLENNAN AGENCY LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $91 | $91 | 0.73% |
| WINFIELD ROSS G3 | 277 BENDIX ROAD STE 500 VIRGINIA BEACH, VA 234521363 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | $0 | $63 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | $1K | $0 | $1K | 10.48% |
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $810 | $0 | $810 | 15.00% |
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 | 190 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 2 carriers) | SHIC PPO | 86 | $964K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 230 | $72K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | 215 | $10K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $55K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $29K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $39K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 190 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.