| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 1.23% |
| MERCER HEALTH AND BENEFITS, LLC7 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $87 | $4K | 25.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VA, INC. EIN 54-0357120 ASO MED CLAIMS | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue; Claims processing Service code 12 | — | $1.0M |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 ASO DENTAL CLAIMS | Contract Administrator Service code 13 | — | $49K |
| CVS PHARMACY, INC. EIN 05-0340626 ASO RX CLAIMS | Other services; Direct payment from the plan; Contract Administrator; Participant communication; Float revenue; Claims processing Service code 12 | — | $14K |
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 | 1,718 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,387 | $351K |
| Dental | DELTA DENTAL OF VIRGINIA | 1,421 | $49K |
| Vision | VISION SERVICE PLAN | 1,205 | $249K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,023 | $718K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY - NYDBL / NYPFL | 12 | $1K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,023 | $704K |
| Prescription drug | CVS PHARMACY, INC. | 1,387 | $14K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,387 | $351K |
| Other(3 contracts, 3 carriers) | THE STAYWELL COMPANY, LLC | 1,964 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,023 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.