| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 203066 DALLAS, TX 75320 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 0.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 4900 LIBBIE MILL E BLVD SUITE 100 RICHMOND, VA 23230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $989 | — | $989 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing; Other services Service code 12 | 1 EXPRESS WAY ST. LOUIS, MO 63121 | $3.6M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | 3130 CHAPARRELL DRIVE, ST ROANOKE, VA 24018 | $947K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 NONE | Contract Administrator Service code 13 | 4818 STARKEY ROAD ROANOKE, VA 24018 | $89K |
| DISCOVERY BENEFITS EIN 90-0058554 NONE | Claims processing Service code 12 | 4321 20TH AVE SW FARGO, ND 58103 | $57K |
| CIGNA BEHAVIORAL HEALTH, INC EIN 41-1648670 NONE | Direct payment from the plan; Claims processing; Contract Administrator; Participant communication Service code 12 | 11095 VIKING DR., STE 350 EDEN PRAIRIE, MN 55344 | $35K |
| UNICARE/ANTHEM EMPLOYEE ASSISTANCE EIN 52-0913817 NONE | Contract Administrator; Other services Service code 13 | 4825 MARK CENTER DR ALEXANDRIA, VA 22311 | $35K |
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 | 2,679 | 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) | 2,679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE/COMBINED INSURANCE COMPANY OF AMERICA | 0 | $126K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,687 | $588K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,156 | $1.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,400 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,400 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.