| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL E BLVD #1000 RICHMOND, VA 23230 | HARTFORD LIFE AND ACCIDENT | $23K | $0 | $23K | 10.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA BLVD, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 222 CENTRAL PARK AVE VIRGINIA BEACH, VA 23462 | HARTFORD LIFE AND ACCIDENT | -$45 | $0 | -$45 | -0.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | -$164 | -$30 | -$194 | -0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KNG OF PRUSSA, PA 194062772 | AMERITAS LIFE INSURANCE CORP | $4K | $2K | $5K | 4.19% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.55% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 418 | $130K |
| Vision(3 contracts, 3 carriers) | AMERITAS LIFE INSURANCE CORP | 418 | $152K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 263 | $230K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 263 | $230K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 263 | $230K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 277 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.