| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $144K | $25K | $169K | 11.86% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD DIVISION 5500 CHEROKEE AVE #300 ALEXANDRIA, VA 22312 | FEDERAL INSURANCE COMPANY | $0 | $13K | $13K | 3.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFRESON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $4K | $27K | 12.48% |
| MARSH & MCLENNAN AGENCY LLC3 | DAWSON INSURANCE 505 BROADWAY STE 100 FARGO, ND 58102 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $952 | $952 | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $642 | $11K | 21.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $615 | $9K | 21.42% |
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 | 564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 521 | $229K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 564 | $1.7M |
| Long-term disability | STANDARD INSURANCE COMPANY | 559 | $138K |
| Prescription drug | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 521 | $229K |
| Other(8 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 583 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.