| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN LLC | 4900 LIBBIE MILL EAST BLVD 100 RICHMOND, VA 23230 | CAREFIRST BLUECHOICE | $103K | $18K | $121K | 5.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 4900 LIBBIE MILL EAST BLVD #100 RICHMOND, VA 23230 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | $0 | $27K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 15TH FL DALLAS, TX 75231 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $0 | $13K | 4.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVE PARK WEST PLAZA TWO STE 400 SADDLE BROOK, NJ 07663 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $6K | $6K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT HILL LANE 15TH FL DALLAS, TN 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $40 | $40 | 0.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI UNS SERVICES LLC | PO BOX 3716 NORFOLK, VA 235143716 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $27 | $27 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 15TH FL DALLAS, TX 75231 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.41% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 368 | $2.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 455 | $693K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $572K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $486K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $296K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $486K |
| Prescription drug | CAREFIRST BLUECHOICE | 368 | $2.1M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.