| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | THE BENEFIT PLANNING GROUP 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.53% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLVD SUITE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.31% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | STANDARD INSURANCE COMPANY | $889 | — | $889 | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLEANNAN AGENCY LLC | THE BENEFIT PLANNING GROUP 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.84% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLVD SUITE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.66% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | STANDARD INSURANCE COMPANY | $903 | — | $903 | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 | RUTHERFOORD AGENCY 4900 LIBBIE MILL BLD SUITE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.19% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICE INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.60% |
| MARSH & MCLENNAN AGENCY LLC3 | THE BENEFIT PLANNING GROUP 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMINISTRATION | Non-monetary compensation; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary; Claims processing; Float revenue Service code 12 | — | $171K |
| LAWLEY SERVICE INC EIN 16-0802517 BROKER | Insurance agents and brokers Service code 22 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | $32K |
| DIVERSIFIED GROUP BROKERAGE CORP EIN 06-1029392 CLAIMS PROCESSOR | Claims processing Service code 12 | 369 NORTH MAIN STREET MALBOROUGH, CT 06447 | $13K |
| MARSH & MCLENNAN AGENCY LLC BROKER | Insurance agents and brokers Service code 22 | 4900 LIBBIE MILL BOULEVARD SUITE 10 RICHMOND, VA 23230 | $7K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 4818 STARKEY ROAD ROANOKE, VA 240188542 | $7K |
| DAVIDSON DOLYE & HILTON LLP EIN 54-1953476 AUDITOR | Accounting (including auditing) Service code 10 | 916 MAIN STREET LYNCHBURG, VA 24504 | $5K |
| CIGNA | Non-monetary compensation; Claims processing; Contract Administrator; Named fiduciary; Other commissions; Float revenue; Participant communication; Other services; Direct payment from the plan 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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 209 | $87K |
| Short-term disability | STANDARD INSURANCE COMPANY | 191 | $67K |
| Long-term disability | STANDARD INSURANCE COMPANY | 86 | $26K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 306 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
No prospect flags tripped on this filing.