| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD STE 100 RICHMOND, VA 23230 | HEALTHKEEPERS, INC. | $28K | — | $28K | 2.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | ANTHEM LIFE INSURANCE COMPANY | $18K | $642 | $18K | 12.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD STE 100 RICHMOND, VA 23230 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | — | $4K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 33.85% |
| IRIS M TREAKLE3 | PO BOX 160 IRVINGTON, VA 22480 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 20.15% |
| PHILLIP A GREER3 | 1025 EXECUTIVE BLVD SUITE 111 CHESAPEAKE, VA 23220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.58% |
| GLENN E SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.84% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 152 | $1.4M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 156 | $75K |
| Vision | HEALTHKEEPERS, INC. | 152 | $1.4M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 194 | $148K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 194 | $148K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 194 | $148K |
| Prescription drug | HEALTHKEEPERS, INC. | 152 | $1.4M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 194 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.