| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $0 | $40K | 19.53% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 419814 PO BOX 419814 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 11.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 22.16% |
| LEWIS PAUL GILES3 | PO BOX 39 RINGGOLD, VA 24586 | AFLAC | $1K | $35 | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH ST STE 500 ROCKVILLE, MD 20850 | AFLAC | $1K | $0 | $1K | 3.82% |
| MELANIE GILES3 | 13924 US HIGHWAY 29 CHATHAM, VA 24531 | AFLAC | $368 | $172 | $540 | 2.00% |
| QIANA TOMPKINS3 | 1519 WILSON ST SE ROANOKE, VA 24013 | AFLAC | $191 | $120 | $311 | 1.15% |
| RUTH P YOUNG3 | 677 BERKMAR CT CHARLOTTESVILLE, VA 22901 | AFLAC | $257 | $0 | $257 | 0.95% |
| MARK BRANDON LAVINDER3 | 525 MAIN ST DANVILLE, VA 24541 | AFLAC | $194 | $0 | $194 | 0.72% |
| BRIAN STEPHEN LAVINDER3 | 331 DOGWOOD DR DANVILLE, VA 24541 | AFLAC | $162 | $0 | $162 | 0.60% |
| MICHAEL W DILLON3 | 160 SUGAR TREE LN CASCADE, VA 24069 | AFLAC | $92 | $0 | $92 | 0.34% |
| BETHANY HILLIARD3 | 33 LAKE HERON DR DANVILLE, VA 24541 | AFLAC | $60 | $0 | $60 | 0.22% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $52 | $0 | $52 | 0.19% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $50 | $0 | $50 | 0.19% |
| LESLIE I DRAPER3 | 4270 S FORK AVE HICKORY, NC 28602 | AFLAC | $48 | $0 | $48 | 0.18% |
| JOHN A HAWLEY3 | 575 DOBBINS HOLLOW RD NE PILOT, VA 24138 | AFLAC | $30 | $0 | $30 | 0.11% |
| RICHARD CHAPMAN3 | 42444 DOGWOOD GLEN SQ STERLING, VA 20166 | AFLAC | $20 | $0 | $20 | 0.07% |
| LETHANIEL CHANDLER3 | PO BOX 893 HALIFAX, VA 24558 | AFLAC | $7 | $0 | $7 | 0.03% |
| BETTY DILLON3 | 160 SUGAR TREE LN CASCADE, VA 24069 | AFLAC | $6 | $0 | $6 | 0.02% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $6 | $0 | $6 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $5 | $0 | $5 | 0.02% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, VA 28314 | AFLAC | $5 | $0 | $5 | 0.02% |
| RYAN PATTERSON3 | 137 TAYLORS MILL RD GRETNA, VA 24557 | AFLAC | $4 | $0 | $4 | 0.01% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $2 | $0 | $2 | 0.01% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL R MARTIN3 | 32 OLD HICKORY PITTSBORO, NC 27312 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 20.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $446 | $2K | 19.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $403 | $151 | $554 | 21.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$893 | $364 | -$529 | -38.14% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $203K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 101 | $54K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 101 | $54K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 174 | $39K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 75 | $33K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $21K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $203K |
| Other(3 contracts, 2 carriers) | AFLAC | 174 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.