| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | RELIASTAR LIFE INSURANCE COMPANY | $94K | $0 | $94K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $63K | $63K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL E BLVD. #100 RICHMOND, VA 23230 | DEARBORN LIFE INSURANCE COMPANY | $69K | $0 | $69K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 3625 N ELM ST STE 200 GREENSBORO, NC 27455 | DELTA DENTAL OF VIRGINIA | $25K | $0 | $25K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $34 | $14K | 4.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLE BROOKJ, NJ 24153 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | UNKNOWN UNKNOWN, VA 00000 | COMBINED INSURANCE | $10K | $0 | $10K | 7.67% |
| BENEFIT SERVICE INTEGRATION INC3 Filed as: BENEFIT SERVICE INTEGRATION, INC. | UNKNOWN UNKNOWN, VA 00000 | COMBINED INSURANCE | $7K | $0 | $7K | 5.38% |
| FRANK P DOHERTY3 | UNKNOWN UNKNOWN, VA 00000 | COMBINED INSURANCE | $1 | $0 | $1 | 0.00% |
| JAMES T PERRAPIECE3 | UNKNOWN UNKNOWN, VA 00000 | COMBINED INSURANCE | -$79 | $0 | -$79 | -0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | VISION SERVICE PLAN | $8K | $0 | $8K | 8.10% |
| MARSH & MCLENNAN AGENCY LLC3 | UNKNOWN UNKNOWN, VA 00000 | COMBINED INSURANCE | $4K | $0 | $4K | 12.63% |
| BENEFIT SERVICE INTEGRATION INC3 Filed as: BENEFIT SERVICE INTEGRATION, INC. | UNKNOWN UNKNOWN, VA 00000 | COMBINED INSURANCE | $1K | $0 | $1K | 3.41% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT SERVICES CO. | UNKNOWN UNKNOWN, VA 00000 | LEGAL RESOURCES | $3K | $0 | $3K | 10.28% |
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 | 1,478 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 2,213 | $508K |
| Vision | VISION SERVICE PLAN | 1,108 | $103K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,428 | $323K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,478 | $690K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 1,478 | $724K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,134 | $1.3M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,428 | $446K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,428 | — |
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.