| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, LLC | P O BOX 412703 BOSTON, MA 022410001 | METLIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, LLC | P O BOX 412703 BOSTON, MA 022410001 | METLIFE INSURANCE COMPANY | $0 | $9 | $9 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, LLC | P O BOX 412703 BOSTON, MA 022410001 | METLIFE INSURANCE COMPANY | $0 | $645 | $645 | 0.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELOITTE & TOUCHE LLP EIN 13-3891517 ACCNTG | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $60K |
| ERNST & YOUNG U.S. LLP EIN 34-6565596 ACCNTG | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $55K |
| HIGHMARK EIN 23-1294723 INS-SVCS | Direct payment from the plan; Insurance services Service code 23 | — | $44K |
| EXPRESS SCRIPTS EIN 43-1420563 NS-SVCS | Direct payment from the plan; Insurance services Service code 23 | — | $27K |
| BNY MELLON EIN 13-2614959 TRTE-DIR | Investment management fees paid directly by plan; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $12K |
| ANTHEM EIN 54-0357120 NS-SVCS | Direct payment from the plan; Insurance services Service code 23 | — | $7K |
| DOMINION RESOURCES SVCS, INC. EIN 54-1229715 PLN-ADMN | Plan Administrator; Direct payment from the plan Service code 14 | — | $7K |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | METLIFE INSURANCE COMPANY | 0 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.