| 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 | $4K | $45K | 20.38% |
| 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 | $503 | $4K | 11.95% |
| 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 | $410 | $3K | 13.18% |
| LEWIS PAUL GILES3 | PO BOX 39 RINGGOLD, VA 24586 | AFLAC | $1K | $24 | $1K | 4.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH ST STE 500 ROCKVILLE, MD 20850 | AFLAC | $663 | $0 | $663 | 2.67% |
| MELANIE GILES3 | 13924 US HIGHWAY 29 CHATHAM, VA 24531 | AFLAC | $275 | $44 | $319 | 1.29% |
| RUTH P YOUNG3 | 677 BERKMAR CT CHARLOTTESVILLE, VA 22901 | AFLAC | $234 | $0 | $234 | 0.94% |
| BRIAN STEPHEN LAVINDER3 | 331 DOGWOOD DR DANVILLE, VA 24541 | AFLAC | $164 | $0 | $164 | 0.66% |
| MARK BRANDON LAVINDER3 | 412 LYNN ST DANVILLE, VA 24541 | AFLAC | $153 | $0 | $153 | 0.62% |
| QIANA TOMPKINS3 | 1519 WILSON ST SE ROANOKE, VA 24013 | AFLAC | $64 | $38 | $102 | 0.41% |
| BETHANY HILLIARD3 | 33 LAKE HERON DR DANVILLE, VA 24541 | AFLAC | $60 | $0 | $60 | 0.24% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $35 | $20 | $55 | 0.22% |
| DAVID N MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $53 | $0 | $53 | 0.21% |
| LESLIE I DRAPER3 | 4270 S FORK AVE HICKORY, NC 28602 | AFLAC | $48 | $0 | $48 | 0.19% |
| MICHAEL W DILLON3 | 160 SUGAR TREE LN CASCADE, VA 24069 | AFLAC | $42 | $0 | $42 | 0.17% |
| JOHN A HAWLEY3 | 575 DOBBINS HOLLOW RD NE PILOT, VA 24138 | AFLAC | $31 | $0 | $31 | 0.13% |
| RICHARD CHAPMAN3 | 42444 DOGWOOD GLEN SQ STERLING, VA 20166 | AFLAC | $20 | $0 | $20 | 0.08% |
| LETHANIEL CHANDLER3 | PO BOX 893 HALIFAX, VA 24558 | AFLAC | $7 | $0 | $7 | 0.03% |
| 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% |
| 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 | $395 | $4K | 16.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD RALEIGH, NC 27612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $971 | $2K | 19.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $934 | $128 | $1K | 14.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $827 | $137 | $964 | 16.21% |
| 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 | $436 | $1K | 69.25% |
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 | $218K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 86 | $10K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 86 | $10K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $31K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 69 | $29K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 164 | $26K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $218K |
| Other(3 contracts, 2 carriers) | AFLAC | 165 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.