| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $219K | $40K | $259K | 17.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | $24K | $56K | 5.27% |
| FNBC INC3 | 5311 PATTERSON AVENUE RICHMOND, VA 23226 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $14K | $4K | $18K | 1.69% |
| CHOICE FINANCIAL GROUP LLC3 | 4664 SOUTH BLVD STE 200B VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | $873 | $5K | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $21K | $44K | 5.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $0 | $13K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $3K | $20K | 17.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $777 | $0 | $777 | 3.00% |
| FNBC INC3 | 5311 PATTERSON AVE RICHMOND, VA 23226 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $990 | $0 | $990 | 4.56% |
| CHOICE FINANCIAL GROUP LLC3 | 4664 SOUTH BLVD STE 200B VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $312 | $0 | $312 | 1.44% |
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 | 4,917 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 90 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,007 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 63 | $1.0M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 2,348 | $447K |
| Vision | VISION SERVICE PLAN | 2,887 | $458K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,917 | $1.6M |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,564 | $777K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,917 | $1.1M |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 63 | $1.0M |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 3,717 | $2.6M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,917 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,917 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.