| 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 | $15K | $0 | $15K | 3.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 12748 ROANOKE, VA 24028 | SHIC PPO | $18K | $0 | $18K | 6.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 12748 ROANOKE, VA 24028 | SENTARA HEALTH PLAN | $8K | $0 | $8K | 4.43% |
| 0009H7673 | MARSH MCLENNAN AGENCY LLC ONE SOUTH JEFFERSON STREET ROANOKE, VA 24066 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 7.34% |
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | BOSTON, MA 101 HUNTINGTON AVENUE BOSTON, MA 02199 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $1K | $0 | $1K | 9.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.48% |
| CALLAHAN VINCE THOMAS3 | 3916 HOLLY AVE NORFOLK, VA 23504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $898 | $0 | $898 | 6.70% |
| YVONNE M. MILLS3 Filed as: YVONNE M MILLS | 1037 BRIARWOOD POINT VIRGINIA BEACH, VA 23452 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $169 | $0 | $169 | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | $0 | $119 | 0.89% |
| WINFIELD ROSS G3 | 277 BENDIX ROAD STE 500 VIRGINIA BEACH, VA 234521363 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | $0 | $71 | 0.53% |
| 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 | $40 | $40 | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 15.01% |
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 | 228 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 3 carriers) | SENTARA HEALTH PLAN | 118 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $94K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 279 | $15K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $92K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $48K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $63K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 187 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.