| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METLIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & MCLENNAN AGEN | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 194282085 | METLIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METLIFE INSURANCE COMPANY | $0 | $675 | $675 | 0.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELOITTE & TOUCHE LLP EIN 13-3891517 ACCNTG | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $61K |
| HIGHMARK EIN 23-1294723 INS-SVCS | Insurance services; Direct payment from the plan Service code 23 | — | $46K |
| ERNST & YOUNG US LLP EIN 34-6565596 ACCNTG | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $40K |
| EXPRESS SCRIPTS EIN 43-1420563 INS-SVCS | Insurance services; Direct payment from the plan Service code 23 | — | $18K |
| NORTHERN TRUST COMPANY EIN 36-1561860 TRTE-DIR | Investment management fees paid directly by plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $18K |
| ANTHEM EIN 54-0357120 INS-SVCS | Direct payment from the plan; Insurance services Service code 23 | — | $9K |
| DOMINION ENERGY SERVICES, INC. EIN 54-1229715 PLN-ADMR | Plan Administrator; Direct payment from the plan Service code 14 | — | $5K |
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 | 344 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | METLIFE INSURANCE COMPANY | 183 | $372K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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 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.