| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANAGED BENEFITS, INC.3 Filed as: MANAGED BENEFITS INC | 4900 COX RD STE 170 GLEN ALLEN, VA 23060 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $30K | $78 | $30K | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $17K | $0 | $17K | 0.90% |
| MANAGED BENEFITS, INC.3 Filed as: MANAGED BENEFITS INC | 4900 COX RD STE 170 GLEN ALLEN, VA 23060 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 8.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL E BLVD #1000 RICHMOND, VA 23230 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 5.57% |
| MANAGED BENEFITS, INC.3 Filed as: MANAGED BENEFITS INC | 4900 COX STE 170 GLEN ALLEN, VA 23060 | DELTA DENTAL OF VIRGINIA | $8K | $0 | $8K | 6.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC | 3625 N ELM ST STE 200 GREENSBORO, NC 27455 | DELTA DENTAL OF VIRGINIA | $4K | $0 | $4K | 3.27% |
| MANAGED BENEFITS, INC.3 Filed as: MANAGED BENEFITS INC | 4900 COX RD STE 170 GLEN ALLEN, VA 23060 | VISION SERVICE PLAN | $6K | $0 | $6K | 26.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 240282748 | VISION SERVICE PLAN | $843 | $0 | $843 | 4.06% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 80 | $1.8M |
| Dental | DELTA DENTAL OF VIRGINIA | 300 | $121K |
| Vision | VISION SERVICE PLAN | 172 | $21K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 294 | $137K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 294 | $137K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 294 | $137K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 80 | $1.8M |
| Other(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. (G1608) | 294 | $958K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.