| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RUTHERFOORD BENEFIT SERVICES | PO BOX 12748 ROANOKE, VA 24028 | RELIASTAR LIFE INSURANCE COMPANY | $26K | $0 | $26K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | RELIASTAR LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL E BLVD SUITE 100 RICHMOND, VA 23230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.27% |
| CALLAHAN VINCE THOMAS3 | 6804 ATLANTIC AVE VIRGINIA BEACH, VA 23451 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD STE 600 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $561 | $0 | $561 | 1.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $349 | $349 | 0.90% |
| WINFIELD ROSS G3 | 397 LITTLE NECK RD THE 3300 BUILDING STE 200 VIRGINIA BEACH, VA 23452 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $312 | $0 | $312 | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 S JEFFERSON ST ROANOKE, VA 24011 | EYEMED | $3K | $0 | $3K | 11.48% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 265 | $24K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 263 | $175K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 263 | $175K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 263 | $175K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 263 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.