| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. ROANOKE | PO BOX 12748 ROANOKE, VA 24028 | DELTA DENTAL OF VIRGINIA | $31K | $0 | $31K | 4.84% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILKL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $48K | $0 | $48K | 11.12% |
| MCGRIFF INSURANCE SERVICES INC3 | ATTN TAMMY MORGAN 7701 AIRPORT CENTER DR STE 180 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 3.85% |
| MCGRIFF INSURANCE SERVICES INC3 | ATTN TAMMY MORGAN 7701 AIRPORT CENTER DR STE 180 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC- | ROCKVILLE MD 1 CHURCH ST STE 500 ROCKVILLE, MD 208504178 | UNITED HEALTHCARE INSURANCE COMPANY | $67K | $0 | $67K | 31.24% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 3.57% |
| MCGRIFF INSURANCE SERVICES INC3 | ATTN TAMMY MORGAN 7701 AIRPORT CENTER DR STE 180 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.23% |
| VIRGINIA CREDIT UNION3 | 7500 BOULDER VIEW DR NORTH CHESTERFIELD, VA 232254046 | VISION SERVICE PLAN | $13K | $0 | $13K | 9.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $454K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 BROKER | Other commissions Service code 55 | 1 CHURCH ST STE 500 ROCKVILLE, MD 208504178 | $113K |
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 | 1,011 | 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) | 1,013 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 1,743 | $646K |
| Vision | VISION SERVICE PLAN | 814 | $145K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,011 | $428K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,011 | $150K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,011 | $224K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,684 | $2.1M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 1,112 | $700K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,743 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.