| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - EAST | — | GRANULAR INSURANCE COMPANY | $38K | $0 | $38K | 2.59% |
| MARSH & MCLENNAN AGENCY LLC3 | — | GRANULAR INSURANCE COMPANY | $0 | $35K | $35K | 2.36% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $47K | $0 | $47K | 20.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | P.O. BOX 12748 ROANOKE, VA 24028 | BLUE CROSS AND BLUE SHIELD OF ALABAMA | $0 | $31K | $31K | 15.51% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $22K | $0 | $22K | 12.53% |
| ADP INC3 | ATTN CLIENT AR#512945 PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $9K | $9K | 5.48% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $17K | $0 | $17K | 12.50% |
| ADP INC3 | ATTN CLIENT AR#512945 PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $7K | $7K | 5.30% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 12.52% |
| ADP INC3 | ATTN CLIENT AR#512945 PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 5.30% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 022410001 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $33 | $5K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $536 | $536 | 1.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $19 | $19 | 0.04% |
| UNKNOWN3 | — | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | — |
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 | 469 | 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) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 748 | $198K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 653 | $46K |
| Life insurance | STANDARD INSURANCE COMPANY | 469 | $172K |
| Short-term disability | STANDARD INSURANCE COMPANY | 464 | $134K |
| Long-term disability | STANDARD INSURANCE COMPANY | 469 | $64K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 593 | $1.5M |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 0 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.