| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $34K | $0 | $34K | 21.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 CHARLOTTE, NC 28289 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $34K | $0 | $34K | 21.93% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC | OF SOUTH CAROLINA PO BOX 211486 COLUMBIA, SC 29221 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $8K | $0 | $8K | 5.35% |
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $751 | $0 | $751 | 10.00% |
| THE BENEFIT COMPANY INC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $300 | $0 | $300 | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $290 | $0 | $290 | 10.00% |
| THE BENEFIT COMPANY INC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $116 | $0 | $116 | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $730 | $0 | $730 | 39.78% |
| THE BENEFIT COMPANY INC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $292 | $0 | $292 | 15.91% |
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $56 | $0 | $56 | 9.96% |
| THE BENEFIT COMPANY INC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22 | $0 | $22 | 3.91% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 778 | $154K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 778 | $154K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $8K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $3K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $2K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $562 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 778 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.