| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLVD SUITE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 4.59% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLVD SUITE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLEANNAN AGENCY LLC | MCGRAW WENTWORTH 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $976 | — | $976 | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLD SUITE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 13.93% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $275 | — | $275 | 0.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMINISTRATION | Claims processing; Float revenue; Other services; Participant communication; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | — | $154K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 4818 STARKEY ROAD ROANOKE, VA 240188542 | $7K |
| CIGNA | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Participant communication; Named fiduciary; Non-monetary compensation; Float revenue; Other commissions Service code 12 | — | $0 |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 215 | $126K |
| Short-term disability | STANDARD INSURANCE COMPANY | 198 | $99K |
| Long-term disability | STANDARD INSURANCE COMPANY | 87 | $34K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 353 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.