| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | ONE SOUTH JEFFERSON STREET ROANOKE, VA 24066 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 11.20% |
| 0009K7263 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 4.58% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $393 | $0 | $393 | 0.25% |
| BLADE BENEFIT CONSULTING LLC3 | 333 W. FREEMASON ST SUITE 202 NORFOLK, VA 23510 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $140 | $0 | $140 | 0.09% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $61 | $0 | $61 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | SENTARA ADVANTAGE POS M/C | $13K | $0 | $13K | 12.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | SENTARA HEALTH PLAN | $6K | $0 | $6K | 13.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | SENTARA HEALTH PLAN | $11K | $0 | $11K | 27.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | OF VIRGINIA BEACH VA 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | FIRST STOP HEALTH, LLC | $830 | $0 | $830 | 7.99% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 3 carriers) | SENTARA ADVANTAGE POS M/C | 135 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $160K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $160K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $160K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $160K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $160K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.