| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANCIL INSURANCE SERVICES LLC3 | PO BOX 1331 OWENSBORO, KY 423021331 | UNITED HEALTHCARE INSURANCE COMPANY | $15K | $0 | $15K | 3.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1601 ALLIANT AVE LOUISVILLE, KY 402996338 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $56K | $1K | $57K | 16.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC - ROANOKE | PO BOX 12748 ROANOKE, VA 24028 | DELTA DENTAL OF VIRGINIA | $6K | $0 | $6K | 2.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY MARC B PANNIER | — | CALIFORNIACHOICE | $8K | $0 | $8K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS (G1605) | $4K | $505 | $4K | 9.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | — | COMBINED INSURANCE | $9K | $0 | $9K | 22.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | — | COMBINED INSURANCE | $4K | $0 | $4K | 8.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBY MILL EAST BLVD STE 100 RICHMOND, VA 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $6K | $13K | 35.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBY MILL EAST BLVD STE 100 RICHMOND, VA 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $7K | $14K | 36.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBY MILL EAST BLVD STE 100 RICHMOND, VA 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $6K | $8K | 24.60% |
| VANCIL INSURANCE SERVICES LLC3 | 427 ST ANN STE 200 OWENSBORO, KY 42302 | PARAMOUNT DENTAL | $2K | $0 | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBY EAST BLVD STE 100 RICHMOND, VA 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $4K | $6K | 30.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBY MILL EAST BLVD STE 100 RICHMOND, VA 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 37.77% |
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 | 599 | 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) | 599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 69 | $528K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 712 | $228K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,234 | $413K |
| Life insurance(3 contracts, 2 carriers) | COMBINED INSURANCE | 599 | $110K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $37K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $29K |
| Other(6 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,234 | $541K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,234 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.