| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT GROUP OF VIRGINIA3 | 5029 CORPORATE WOODS DR VIRGINIA BEACH, VA 23462 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | $2K | $49K | 12.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $19K | $33K | 8.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $9K | $10K | 5.49% |
| SUMMIT GROUP OF VIRGINIA3 | 5029 CORPORATE WOODS DR VIRGINIA BEACH, VA 23462 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $4K | $9K | 5.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | VISION SERVICE PLAN | $10K | — | $10K | 5.97% |
| SUMMIT GROUP OF VIRGINIA3 | 5029 CORPORATE WOODS DR VIRGINIA BEACH, VA 23462 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $5K | 6.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $803 | — | $803 | 0.93% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 5029 CORPORATE WOODS DR VIRGINIA BEACH, VA 23462 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $233 | $7K | 11.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $4K | 6.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD STE 200 TORRANCE, CA 90501 | DELTA DENTAL OF CALIFORNIA | $1K | — | $1K | 3.00% |
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 | 1,182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 228 | $48K |
| Vision | VISION SERVICE PLAN | 887 | $170K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,238 | $405K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 318 | $86K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 371 | $179K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,499 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,499 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.