| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | RUTHERFOORD AGENCY 4900 MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 4.33% |
| FOCUS 3 BENEFITS LLC3 | PO BOX 704 RADFORD, VA 24143 | STANDARD INSURANCE COMPANY | $0 | $13K | $13K | 4.21% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 4.56% |
| FOCUS 3 BENEFITS LLC3 | PO BOX 704 RADFORD, VA 24143 | STANDARD INSURANCE COMPANY | $0 | $9K | $9K | 3.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $48K | $0 | $48K | 20.23% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 241432323 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 6.54% |
| FOCUS 3 BENEFITS LLC3 | PO BOX 704 RADFORD, VA 24143 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 3.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 E LIBBIE MILL E BLVD #100 RICHMOND, VA 23230 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $7K | $0 | $7K | 9.93% |
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 | 916 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 921 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 935 | $68K |
| Life insurance | STANDARD INSURANCE COMPANY | 916 | $308K |
| Short-term disability | STANDARD INSURANCE COMPANY | 248 | $241K |
| Long-term disability | STANDARD INSURANCE COMPANY | 187 | $117K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,000 | $727K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 303 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,000 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.