| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORP. OF AMERICA | 1410 SPRING HILL ROAD, STE. 301 MC LEAN, VA 22102 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $15K | $322 | $15K | 2.47% |
| LOBOTH LLC3 | 1503 SANTA ROSA ROAD STE 107 RICHMOND, VA 23229 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $475 | — | $475 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $9K | 12.72% |
| SYNERGY GROUP BENEFITS INC3 | 1816 BATTEN HOLLOW ROAD VIENNA, VA 22182 | PRINCIPAL LIFE INSURANCE COMPANY | $582 | — | $582 | 0.79% |
| LOBOTH LLC3 | 1503 SANTA ROSA ROAD RM 10 RICHMOND, VA 23229 | PRINCIPAL LIFE INSURANCE COMPANY | $314 | — | $314 | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | DELTA DENTAL OF VIRGINIA | $2K | — | $2K | 4.20% |
| SYNERGY GROUP BENEFITS INC3 Filed as: SYNERGY GROUP BENEFITS, INC | 1816 BATTEN HOLLOW ROAD VIENNA, VA 22182 | DELTA DENTAL OF VIRGINIA | $662 | — | $662 | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE STE 410 BETHESDA, MD 20817 | VISION SERVICE PLAN | $591 | — | $591 | 6.27% |
| SYNERGY GROUP BENEFITS INC3 | 8321 OLD COURTHOUSE ROAD STE 330 VIENNA, VA 22182 | VISION SERVICE PLAN | $81 | — | $81 | 0.86% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 131 | $612K |
| Dental | DELTA DENTAL OF VIRGINIA | 121 | $51K |
| Vision | VISION SERVICE PLAN | 68 | $9K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $74K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $74K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $74K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.