| 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 | DELTA DENTAL OF VA | $87K | — | $87K | 3.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $166K | $47K | $213K | 15.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $244K | — | $244K | 31.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $64K | — | $64K | 9.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $62K | $24K | $86K | 16.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $9K | $30K | 17.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLANNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | — | $18K | 14.54% |
| PETER J OLENICK3 | 2893 DECATUR DRIVE HAYES, VA 23072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 5.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 4.58% |
| MULTIPLE BENEFITS CORP.3 Filed as: MULTIPLE BROKERS EARNING LESS | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.66% |
| JOAN FIALKOWSKI3 | 701 DELAWARE AVE VIRGINIA BEACH, VA 23451 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.65% |
| ROBERT M TASSONE3 | 10880 GENERAL PULLER MEM HWY SUITE G HARTFIELD, VA 23071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.64% |
| SHAWN STEPHENS3 | 293 INDEPENDENCE BLVD SUITE 218 VIRGINIA BEACH, VA 23462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.14% |
| RACHEL A ONEY3 | 6730 JOHN SMITH LANE HAYES, VA 23072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $771 | — | $771 | 0.67% |
| DAVID N MORGAN3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $710 | — | $710 | 0.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | $10K | $1K | $11K | 10.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 20.00% |
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 | 5,952 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,005 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VA | 4,994 | $2.7M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 3,901 | $680K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,952 | $2.2M |
| Short-term disability(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,425 | $386K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,419 | $517K |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,952 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,952 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.