| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $88K | — | $88K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH | — | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $940 | — | $940 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Named fiduciary; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Other services; Direct payment from the plan; Participant communication Service code 12 | 3130 CHAPARRELL DRIVE, ST ROANOKE, VA 24018 | $1.0M |
| RX BENEFITS EIN 63-1157085 NONE | Other services; Claims processing Service code 12 | 3500 BLUE LAKE DRIVE 200 BIRMINGHAM, AL 35253 | $79K |
| DISCOVERY BENEFITS EIN 90-0058554 NONE | Claims processing Service code 12 | 4321 20TH AVE SW FARGO, ND 58103 | $65K |
| UNICARE/ANTHEM EMPLOYEE ASSISTANCE EIN 52-0913817 NONE | Other services; Contract Administrator Service code 13 | 4825 MARK CENTER DR ALEXANDRIA, VA 22311 | $39K |
| CIGNA BEHAVIORAL HEALTH, INC EIN 41-1648670 NONE | Direct payment from the plan; Participant communication; Contract Administrator; Claims processing Service code 12 | 11095 VIKING DR., STE 350 EDEN PRAIRIE, MN 55344 | $38K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 NONE | Contract Administrator Service code 13 | 4818 STARKEY ROAD ROANOKE, VA 24018 | $0 |
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 | 2,748 | 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) | 2,748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE/COMBINED INSURANCE COMPANY OF AMERICA | 2,789 | $163K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,936 | $690K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,462 | $731K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,757 | $610K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,748 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,789 | — |
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.