| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $14K | — | $14K | 1.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | — | $4K | 0.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $22K | $4K | $25K | 11.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF VIRGINIA | $10K | — | $10K | 7.62% |
| BOWLES ASSOC INC3 | PO BOX 700 FORK UNION, VA 23055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 10.19% |
| JAMES E. PERKINS3 Filed as: JAMES E PERKINS | 2205 LONG DRIVE ROCKVILLE, VA 23146 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 8.17% |
| LUCZAK & ASSOCIATES3 | PO BOX 12465 ROANOKE, VA 24025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $405 | — | $405 | 0.74% |
| KAREN P. BOWLES3 Filed as: KAREN P BOWLES | PO BOX 700 FORK UNION, VA 23055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $319 | — | $319 | 0.59% |
| KATHERINE D CAMPBELL3 | PO BOX 700 FORK UNION, VA 23055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $147 | — | $147 | 0.27% |
| JOY C KUHAR3 | 3247 W RIVER ROAD SCOTTSVILLE, VA 24590 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133 | — | $133 | 0.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| EDWARD M. SCHWAB3 Filed as: EDWARD M SCHWAB | 10187 CABIN COURT MECHANICSVILLE, VA 23116 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 50.05% |
| BOWLES ASSOC INC3 | PO BOX 700 FORK UNION, VA 23055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| JAMES E. PERKINS3 Filed as: JAMES E PERKINS | 2205 LONG DRIVE ROCKVILLE, VA 23146 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| KATHERINE D CAMPBELL3 | PO BOX 700 FORK UNION, VA 23055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| LUCZAK & ASSOCIATES3 | PO BOX 12465 ROANOKE, VA 24025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED | $7K | — | $7K | 29.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $508 | $44 | $552 | 10.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $756 | — | $756 | 14.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $127 | $15 | $142 | 11.60% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 217 | $1.2M |
| Dental | DELTA DENTAL OF VIRGINIA | 398 | $125K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 384 | $1.1M |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 472 | $305K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 472 | $218K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 472 | $218K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 472 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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.