| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METLIFE INSURANCE COMPANY | — | $3K | $3K | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METLIFE INSURANCE COMPANY | $0 | $660 | $660 | 0.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELOITTE & TOUCHE LLP EIN 13-3891517 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $54K |
| HIGHMARK EIN 23-1294723 INSURANCE SVCS | Insurance services Service code 23 | — | $47K |
| ERNST & YOUNG US LLP EIN 34-6565596 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $30K |
| EXPRESS SCRIPTS EIN 43-1420563 INSURANCE SVCS | Insurance services Service code 23 | — | $18K |
| ANTHEM EIN 54-0357120 INSURANCE SVCS | Insurance services Service code 23 | — | $10K |
| DOMINION ENERGY SERVICES, INC. EIN 54-1229715 PLN ADMR | Plan Administrator Service code 14 | — | $6K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 304 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | METLIFE INSURANCE COMPANY | 198 | $397K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.