| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 3625 N ELM ST STE 200 GREENSBORO, NC 27455 | DELTA DENTAL OF VIRGINIA | $9K | — | $9K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBY MILL EAST BLVD STE 100 RICHMOND, VA 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $9K | $25K | 15.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBY MILL EAST BLVD STE 100 RICHMOND, VA 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $9K | $24K | 15.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBY MILL EAST BLVD STE 100 RICHMOND, VA 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $7K | $18K | 15.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - | VIRGINIA BEACH 222 CENTRAL PARK AVE #1340 VIRGINIA BEACH, VA 23462 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $5K | — | $5K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBY MILL EAST BLVD STE 100 RICHMOND, VA 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.78% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBY MILL EAST BLVD STE 100 RICHMOND, VA 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.97% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS (G1605) | $13K | — | $13K | 121.24% |
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 | 619 | 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) | 621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 797 | $189K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 842 | $57K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 619 | $309K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $114K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $30K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 619 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 842 | — |
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.