| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $1K | $18K | 16.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $932 | $15K | 16.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $487 | $8K | 16.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $410 | $410 | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN, AGENCY LLC | — | EYEMED VISION CARE | $6K | — | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $335 | $335 | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $76 | $76 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $875 | $60 | $935 | 16.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | EYEMED VISION CARE | $64 | — | $64 | 15.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM EIN 56-1449504 NONE | Claims processing Service code 12 | — | $117K |
| GATEWAY HEALTH EIN 54-1756711 NONE | Other fees; Claims processing Service code 12 | — | $107K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 NONE | Claims processing Service code 12 | — | $45K |
| MEDCOST EIN 22-2360010 NONE | Other fees Service code 99 | — | $11K |
| FIRST HEALTH NETWORK EIN 20-1736473 NONE | Other fees Service code 99 | — | $110 |
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 | 609 | 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) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 870 | $41K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 905 | $133K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 352 | $113K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 306 | $82K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 567 | $392K |
| Other(3 contracts, 2 carriers) | CARILION EAP | 674 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 905 | — |
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.