| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| K S P H3 | A MARSH MCLENNAN AGENCY, LLC CO. P.O. BOX 12748 ROANOKE, VA 24028 | DELTA DENTAL OF VIRGINIA | $78K | — | $78K | 2.95% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $171K | $38K | $209K | 14.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 4191 INNSLAKE DRIVE SUITE 211 GLEN ALLEN, VA 23059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $422K | — | $422K | 66.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27K | — | $27K | 4.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 2443 LYNN ROAD SUITE 208 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24K | — | $24K | 3.79% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $65K | $20K | $84K | 15.62% |
| PETER J OLENICK3 Filed as: PETER J. OLENICK | 2893 DECATUR DRIVE HAYES, VA 23072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 4.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 2443 LYNN ROAD SUITE 208 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 3.81% |
| JOAN FIALKOWSKI3 | 701 DELAWARE AVENUE VIGINIA BEACH, VA 23451 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 1.86% |
| SHAWN STEPHENS3 | 293 INDEPENDENCE BOULEVARD SUITE 218 VIRGINIA BEACH, VA 23462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.53% |
| ROBERT M TASSONE3 Filed as: ROBERT M. TASSONE | 10880 GENERAL PULLER MEMORIAL HWY SUITE G HARTFIELD, VA 23071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.36% |
| RACHEL A ONEY3 Filed as: RACHEL A. ONEY | 6730 JOHN SMITH LANE HAYES, VA 23072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.99% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.94% |
| MALLORY HORBAL3 | 216D 56TH STREET VIRGINIA BEACH, VA 23451 | CONTINENTAL AMERICAN INSURANCE COMPANY | $849 | — | $849 | 0.43% |
| KENNETH W SHOLAR3 Filed as: KENNETH W. SHOLAR | 4608 WEST GROVE COURT VIRGINIA BEACH, VA 23455 | CONTINENTAL AMERICAN INSURANCE COMPANY | $438 | — | $438 | 0.22% |
| NICHOLAS WAGNER3 | 729 MANOR DRIVE VIRGINIA BEACH, VA 23454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $341 | — | $341 | 0.17% |
| DUANE A ADAMS3 Filed as: DUANE A. ADAMS | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $271 | — | $271 | 0.14% |
| CHAD T KNAPP3 Filed as: CHAD T. KNAPP | 448 LYNN SHORES DRIVE VIRGINIA BEACH, VA 23452 | CONTINENTAL AMERICAN INSURANCE COMPANY | $250 | — | $250 | 0.13% |
| DUANE A ADAMS3 Filed as: DUANE A. ADAMS | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | — | $241 | 0.12% |
| RICHARD KRESINSKE3 | P.O. BOX 15341 CHESAPEAKE, VA 23328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $240 | — | $240 | 0.12% |
| JON H DAVENPORT3 Filed as: JON H. DAVENPORT | 203 JAMES LANDING CIRCLE SMITHFIELD, VA 23430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $189 | — | $189 | 0.10% |
| AMELIA MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | — | $140 | 0.07% |
| RUSSELL W TINNEY3 Filed as: RUSSELL W. TINNEY | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.02% |
| JENNIFER L VANROEKEL3 Filed as: JENNIFER L. VANROEKEL | 212 LEE TRACE DRIVE SMITHFIELD, NC 27577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $6K | $29K | 15.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 4191 INNSLAKE DRIVE SUITE 211 GLEN ALLEN, VA 23059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | $9K | $620 | $9K | 11.73% |
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 | 5,449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 9,181 | $2.7M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 3,788 | $8K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,223 | $2.1M |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 4,331 | $388K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,346 | $539K |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,223 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,181 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.