| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL E BLVD. #100 RICHMOND, VA 23230 | FORT DEARBORN LIFE INSURANCE COMPANY | $53K | $0 | $53K | 7.57% |
| BENEFIT SERVICE INTEGRATION INC3 Filed as: BENEFIT SERVICE INTEGRATION, INC. | 1312 WEST MAIN STREET SALEM, VA 24153 | FORT DEARBORN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 2.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | ONE SOUTH JEFFERSON ST. ROANOKE, VA 24011 | DELTA DENTAL OF VIRGINIA | $16K | $0 | $16K | 3.19% |
| BENEFIT SERVICE INTEGRATION INC3 Filed as: BENEFIT SERVICE INTEGRATION, INC. | 1312 W MAIN ST. SALEM, VA 24153 | DELTA DENTAL OF VIRGINIA | $7K | $0 | $7K | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 3.32% |
| BENEFIT SERVICE INTEGRATION INC3 Filed as: BENEFIT SERVICE INTEGRATION INC. | 1312 W MAIN ST. SALEM, VA 24153 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.41% |
| BENEFIT SERVICE INTEGRATION INC3 Filed as: BENEFIT SERVICE INTEGRATION, INC. | 1312 WEST MAIN STREET SALEM, VA 24153 | COMBINED INSURANCE | $17K | $0 | $17K | 11.09% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | VISION SERVICE PLAN | $7K | $0 | $7K | 5.99% |
| BENEFIT SERVICE INTEGRATION INC3 Filed as: BENEFIT SERVICE INTEGRATION, INC. | 1312 W. MAIN ST. SALEM, VA 24153 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.11% |
| BENEFIT SERVICE INTEGRATION INC3 Filed as: BENEFIT SERVICE INTEGRATION, INC. | 1312 WEST MAIN STREET SALEM, VA 24153 | COMBINED INSURANCE | $8K | $0 | $8K | 7.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL E BLVD #100 RICHMOND, VA 23230 | COMBINED INSURANCE | $2K | $0 | $2K | 2.27% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT SERVICES CO. | UNKNOWN UNKNOWN, VA 00000 | LEGAL RESOURCES | $4K | $0 | $4K | 10.33% |
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 | 1,581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 1,843 | $504K |
| Vision | VISION SERVICE PLAN | 1,227 | $114K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,711 | $399K |
| Short-term disability | FORT DEARBORN LIFE INSURANCE COMPANY | 1,581 | $701K |
| Long-term disability(2 contracts, 2 carriers) | FORT DEARBORN LIFE INSURANCE COMPANY | 1,581 | $801K |
| Other(4 contracts, 4 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 2,711 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,711 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.