| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: 463789-MARSH & MCLENNAN AGENCY LLC | PO BOX 350 STE 1340 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $66K | $66K | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL E BLVD #1000 RICHMOND, VA 23230 | HARTFORD LIFE AND ACCIDENT | $9K | $0 | $9K | 10.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 2.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 3625 N ELM ST STE 200 GREENSBORO, NC 27455 | DELTA DENTAL OF VIRGINIA | $4K | $0 | $4K | 6.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: 0009H767-MARSH & MCLENNAN AGENCY LL | ONE SOUTH JEFFERSON STREET ROANOKE, VA 24066 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $441 | $0 | $441 | 6.35% |
| 000B3334-VINCENT T CALLAHAN3 | 1126 MAGNOLIA AVE NORFOLK, VA 23508 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $294 | $0 | $294 | 4.23% |
| 0009K7263 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $100 | $100 | 1.44% |
| 000B317-L3 ADVISORY, LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50 | $20 | $70 | 6.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $59 | $59 | 5.89% |
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 | 160 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 145 | $1.3M |
| Dental | DELTA DENTAL OF VIRGINIA | 205 | $72K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 145 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 160 | $89K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 160 | $89K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 160 | $82K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 160 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.