| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL EAST BLVD STE 100 RICHMOND, VA 232302131 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $957 | $17K | 9.85% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 201097912 | METROPOLITAN LIFE INSURANCE COMPANY | $151 | $5K | $5K | 2.78% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 6729 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $39 | $39 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 201097912 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18 | $18 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL EAST BLVD STE 100 RICHMOND, VA 23230 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 56.72% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $293 | $0 | $293 | 6.99% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $139 | $0 | $139 | 3.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 201097912 | METROPOLITAN LIFE INSURANCE COMPANY | $117 | $0 | $117 | 2.79% |
| UNKNOWN3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $94 | $0 | $94 | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL EAST STE 100 RICHMOND, VA 23230 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 59.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $216 | $0 | $216 | 7.37% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $134 | $0 | $134 | 4.57% |
| UNKNOWN3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $93 | $0 | $93 | 3.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 201097912 | METROPOLITAN LIFE INSURANCE COMPANY | $54 | $0 | $54 | 1.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL EAST BLVD STE 100 RICHMOND, VA 23230 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 51.39% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $462 | $0 | $462 | 19.51% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $195 | $0 | $195 | 8.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $129 | $0 | $129 | 5.45% |
| UNKNOWN3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $93 | $0 | $93 | 3.93% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 21 | $9K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $174K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $174K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $174K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $174K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $174K |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.