| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.54% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $438 | $3K | 4.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 11557 ROANOKE, VA 23230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 12748 ROANOKE, VA 24028 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.08% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $175 | $1K | 5.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 11557 ROANOKE, VA 23230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $490 | $490 | 1.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $4K | $611 | $5K | 18.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 1 SOUTH JEFFERSON ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $193 | $3K | 16.17% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 200 INTERNATIONAL CIRLCE, STE 4500 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $159 | — | $159 | 0.96% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: RUTHERFORD BENEFIT SVCS | PO BOX 12748 ROANOKE, VA 24028 | EYEMED VISION CARE | $975 | — | $975 | 8.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARSH AND MCLENNAN AGENCY, LLC MED ADMIN | Contract Administrator Service code 13 | PO BOX 12748 ROANOKE, VA 24028 | $21K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 DENTAL ADMIN | Claims processing; Contract Administrator Service code 12 | — | $18K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 MED ADMIN | Contract Administrator Service code 13 | — | $10K |
| HARNESS HEALTH PARTNERS EIN 52-1301088 EAP ADMIN | Claims processing; Contract Administrator Service code 12 | — | $6K |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 222 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 264 | $63K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 264 | $63K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 264 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.