| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $28K | $0 | $28K | 5.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $57K | $0 | $57K | 21.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD #600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $21K | $0 | $21K | 9.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD #600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD #600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 9.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD #600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $646 | $0 | $646 | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $661 | $661 | 1.25% |
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 | 484 | 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) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 808 | $217K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 746 | $53K |
| Life insurance | STANDARD INSURANCE COMPANY | 484 | $227K |
| Short-term disability | STANDARD INSURANCE COMPANY | 484 | $133K |
| Long-term disability | STANDARD INSURANCE COMPANY | 484 | $68K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 449 | $517K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,185 | — |
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.