| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | PO BOX 12748 ROANOKE, VA 24028 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $36K | $36K | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.35% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY INC | 397 LITTLE NECK RD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $364 | $4K | $4K | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 S JEFFERSON ST ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.36% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX RD STE 500 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $989 | $0 | $989 | 2.42% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: RUTHERFORD BENEFITS SERVICES | PO BOX 12748 ROANOKE, VA 24028 | EYEMED VISION CARE | $2K | $0 | $2K | 9.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 S JEFFERSON ST ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $465 | $465 | 3.51% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX RD STE 500 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $307 | $0 | $307 | 2.32% |
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 | 268 | 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) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $2.2M |
| Vision | EYEMED VISION CARE | 306 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $13K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $41K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $2.2M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.