| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4401 NORTHSIDE PARKWAY, SUITE 800 ATLANTA, GA 30327 | CFA, LLC | $21K | $0 | $21K | 23.88% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT AND SONS | 3900 WESTERRE PARKWAY, SUITE 200 RICHMOND, VA 23233 | CFA, LLC | $7K | $0 | $7K | 7.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4401 NORTHSIDE PARKWAY, SUITE 800 ATLANTA, GA 30327 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.96% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT AND SONS | 3900 WESTERRE PARKWAY, SUITE 200 RICHMOND, VA 23233 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $373 | $0 | $373 | 2.22% |
| DURWOOD BOOTH JR3 Filed as: DURWOOD BOOTH JR. | 6231 HIGHAM DRIVE ALEXANDRIA, VA 22310 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $310 | $0 | $310 | 3.98% |
| MJ INSURANCE3 Filed as: JOHN E. CUMMINGS AND VARIOUS AGENTS | 815 OCEAN SHORE BOULEVARD, SUITE 2B ORMOND BEACH, FL 32176 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.42% |
| MARGARET F. GORMAN3 | 2418 NORTH OTTAWA STREET ARLINGTON, VA 22205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.41% |
| BARBARA BAROS3 Filed as: BARBARA B. CARDELLICHIO | 3510 WISTERIA WAY COURT FAIRFAX, VA 22033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.37% |
| LILIENFIELD & ASSOCIATES LLC3 Filed as: LILIENFIELD AND ASSOCIATES, LLC | 1100 HIGGINS PLACE, UNIT 103 B ROCKVILLE, MD 20852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.28% |
| MICHAEL J MCLAUGHLIN3 Filed as: MICHAEL J. MCLAUGHLIN | 43 COLONIAL AVENUE COLONIAL BEACH, VA 22443 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.27% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4401 NORTHSIDE PARKWAY, SUITE 800 ATLANTA, GA 30327 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $967 | $0 | $967 | 13.69% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT AND SONS | 3900 WESTERRE PARKWAY, SUITE 200 RICHMOND, VA 23233 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $147 | $0 | $147 | 2.08% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CFA, LLC | 165 | $90K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 244 | $17K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 160 | $15K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 12 | $8K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 160 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.