| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | ONE SOUTH JEFFERSON STREET ROANOKE, VA 24011 | AETNA | $24K | — | $24K | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | AETNA | $20K | — | $20K | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH CLENNAN AGENCY | POST OFFICE BOX 32135 RICHMOND, VA 23294 | ANTHEM LIFE INSURANCE COMPANY | $19K | $384 | $20K | 11.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | POST OFFICE BOX 32135 RICHMOND, VA 23294 | ANTHEM HEALTH PLAN OF VIRGINIA, INC. | $4K | — | $4K | 3.93% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: RUTHERFORD BENEFITS | POST OFFICE BOX 12748 ROANOKE, VA 24028 | EYEMED | $1K | — | $1K | 5.18% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 498 | $1.5M |
| Dental | ANTHEM HEALTH PLAN OF VIRGINIA, INC. | 281 | $95K |
| Vision | EYEMED | 368 | $24K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 323 | $164K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 323 | $164K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 323 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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.