| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | HEALTHKEEPERS, INC. | $21K | — | $21K | 1.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | ANTHEM HEALTH PLAYS OF VIRGINIA, INC. | $2K | — | $2K | 3.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF VIRGINIA | $2K | — | $2K | 4.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | DELTA DENTAL OF VIRGINIA | $395 | — | $395 | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.20% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NORTHEAST INC. | 555 PLEASANTVILLE RD BRIARCLIFF MANOR, NY 10510 | STANDARD INSURANCE COMPANY | — | -$407 | -$407 | -1.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 6.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $478 | $632 | $1K | 4.28% |
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 | 215 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 158 | $1.6M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLAYS OF VIRGINIA, INC. | 184 | $96K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 215 | $26K |
| Long-term disability | STANDARD INSURANCE COMPANY | 87 | $33K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 158 | $1.6M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 244 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.