| 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 | $30K | $0 | $30K | 15.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 3625 N ELM ST STE 200 GREENSBORO, NC 27455 | DELTA DENTAL OF VIRGINIA | $3K | $0 | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $608 | $4K | 15.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, MARSH & MCLENNAN | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $784 | $784 | 2.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $559 | $5K | 18.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, MARSH & MCLENNAN | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $659 | $659 | 2.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $506 | $5K | 20.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, MARSH & MCLENNAN | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $610 | $610 | 2.57% |
| LEWIS PAUL GILES3 | PO BOX 39 RINGGOLD, VA 24586 | AFLAC | $942 | $54 | $996 | 4.48% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $653 | $0 | $653 | 2.94% |
| MELANIE GILES3 | 13924 US HIGHWAY 29 CHATHAM, VA 24531 | AFLAC | $286 | $100 | $386 | 1.74% |
| RUTH P YOUNG3 | 677 BERKMAR CT CHARLOTTESVILLE, VA 22901 | AFLAC | $184 | $0 | $184 | 0.83% |
| BRIAN STEPHEN LAVINDER3 | 331 DOGWOOD DR DANVILLE, VA 24541 | AFLAC | $136 | $0 | $136 | 0.61% |
| MARK BRANDON LAVINDER3 | 412 LYNN ST DANVILLE, VA 24541 | AFLAC | $103 | $0 | $103 | 0.46% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $57 | $30 | $87 | 0.39% |
| LESLIE I DRAPER3 | 8719 COUNTY LINE RD LOT 4 HICKORY, NC 28602 | AFLAC | $48 | $0 | $48 | 0.22% |
| DAVID N MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $42 | $0 | $42 | 0.19% |
| BETHANY HILLIARD3 | 226 BRANDON CT DANVILLE, VA 24541 | AFLAC | $28 | $0 | $28 | 0.13% |
| RICHARD CHAPMAN3 | 42444 DOGWOOD GLEN SQ STERLING, VA 20166 | AFLAC | $20 | $0 | $20 | 0.09% |
| JOHN A HAWLEY3 | 575 DOBBINS HOLLOW RD NE PILOT, VA 24138 | AFLAC | $12 | $0 | $12 | 0.05% |
| LETHANIEL CHANDLER3 | PO BOX 893 HALIFAX, VA 24558 | AFLAC | $7 | $0 | $7 | 0.03% |
| MICHAEL W DILLON3 | 160 SUGAR TREE LN CASCADE, VA 24069 | AFLAC | $6 | $0 | $6 | 0.03% |
| DUANE A ADAMS3 | 493 BAILEY DR LOUISA, VA 23093 | AFLAC | $4 | $0 | $4 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $4 | $0 | $4 | 0.02% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, VA 28314 | AFLAC | $4 | $0 | $4 | 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 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $161 | $1K | 18.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, MARSH & MCLENNAN | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $215 | $215 | 2.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $138 | $1K | 20.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, MARSH & MCLENNAN | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $162 | $162 | 2.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN, MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $357 | $48 | $405 | 18.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, MARSH & MCLENNAN | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $32 | $32 | 1.43% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 91 | $199K |
| Dental | DELTA DENTAL OF VIRGINIA | 146 | $52K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 84 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $7K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 64 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 215 | $26K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 91 | $199K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.