| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | SUN LIFE ASSURANCE COMPANY OF CANADA | $46K | — | $46K | 9.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | DELTA DENTAL OF VIRGINIA | $13K | — | $13K | 5.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $15K | 13.35% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $508 | $20 | $528 | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | EYEMED VISION CARE | $3K | — | $3K | 10.13% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 10489 LYNCHBURG, VA 24506 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $298 | — | $298 | 3.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $13 | $42 | 0.56% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $8 | $8 | 0.11% |
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 | 785 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 785 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 785 | $152K |
| Dental | DELTA DENTAL OF VIRGINIA | 634 | $235K |
| Vision | EYEMED VISION CARE | 489 | $30K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 785 | $112K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 785 | $112K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 785 | $112K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 433 | $505K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 785 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 785 | — |
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.