| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $228K | $47K | $276K | 18.10% |
| CHOICE FINANCIAL GROUP LLC3 | 5544 GREENWICH ROAD STE 200 VIRGINIA BEACH, VA 23462 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $11K | $2K | $13K | 1.55% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | $25K | $51K | 5.97% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $23K | $46K | 6.07% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AETNA LIFE INSURANCE COMPANY | $0 | $14K | $14K | 4.76% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $5K | $17K | 9.89% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $4K | $20K | 18.18% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 9.91% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $497 | $458 | $955 | 5.76% |
| CHOICE FINANCIAL GROUP LLC3 | 5544 GREENWICH ROAD STE 200 VIRGINIA BEACH, VA 23462 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $834 | $0 | $834 | 6.00% |
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 | 4,430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 43 | $866K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,756 | $311K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 3,169 | $1.3M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,311 | $1.7M |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,346 | $783K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,312 | $852K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 43 | $866K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 3,821 | $3.2M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,311 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,312 | — |
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.