| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLEANNAN AGENCY, LLC | ACCTS REC RUTHERFORD PO BOX 12748 ROANOKE, VA 24028 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $34K | $39K | 1.98% |
| TFA BENEFITS3 | 397 LITTLE NECK RD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $480 | $3K | $4K | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL E BLVD #100 RICHMOND, VA 23230 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 6.79% |
| TFA BENEFITS3 | 397 LITTLE NECK RD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $240 | $0 | $240 | 0.15% |
| LIND C SAWYER3 Filed as: C LIND SAWYER | 616 BENEFIT RD CHESAPEAKE, VA 23322 | ALLSTATE BENEFITS | $14K | $0 | $14K | 27.66% |
| BRIAN WINFIELD3 | 397 LITTLE NECK RD BLDG 3300 VIRGINIA BEACH, VA 23452 | ALLSTATE BENEFITS | $1K | $0 | $1K | 2.20% |
| VINCE THOMAS CALLAHAN3 | 6804 ATLANTIC AVE VIRGINIA BEACH, VA 23451 | ALLSTATE BENEFITS | $151 | $0 | $151 | 0.29% |
| ROSS G. WINFIELD3 Filed as: ROSS G WINFIELD | 397 LITTLE NECK RD BLDG 3300 #220 VIRGINIA BEACH, VA 23452 | ALLSTATE BENEFITS | $2 | $0 | $2 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 222 CENTRAL PARK AVE VIRGINIA BEACH, VA 23462 | EYEMED VISION CARE | $2K | $0 | $2K | 7.36% |
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 | 333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 300 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 300 | $2.0M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 355 | $2.0M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 432 | $162K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 432 | $162K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 300 | $2.0M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 432 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.