| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3625 NORTH ELM STREET SUITE 200 GREENSBORO, NC 27455 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $39K | $2K | $42K | 5.63% |
| SEE ATTACHED3 | — | AFLAC | $8K | $310 | $8K | 26.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3625 NORTH ELM STREET SUITE 200 GREENSBORO, NC 27455 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $296 | $3K | 19.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3625 NORTH ELM STREET SUITE 200 GREENSBORO, NC 27455 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $272 | $2K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3625 NORTH ELM STREET SUITE 200 GREENSBORO, NC 27455 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $150 | $1K | 17.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3625 NORTH ELM STREET SUITE 200 GREENSBORO, NC 27455 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $609 | $81 | $690 | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3625 NORTH ELM STREET SUITE 200 GREENSBORO, NC 27455 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $104 | $12 | $116 | 19.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3625 NORTH ELM STREET SUITE 200 GREENSBORO, NC 27455 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37 | $5 | $42 | 16.94% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 102 | $742K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 102 | $742K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 102 | $742K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $19K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 76 | $14K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $7K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 102 | $742K |
| Other(3 contracts, 2 carriers) | AFLAC | 169 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.