| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD 600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD 600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD 600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $90K | — | $90K | 19.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $754 | $110 | $864 | 17.19% |
| ANTHEM INSURANCE COMPANIES, INC.5 Filed as: ANTHEM HEALTH PLANS OF VIRGINIA | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | — | $1.2M | $1.2M | — |
| HEALTHKEEPERS INC5 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | HEALTHKEEPERS, INC. (G1608) | — | $305K | $305K | — |
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 | 3,531 | 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) | 3,531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts, 2 carriers) | EYEMED VISION CARE/COMBINED INSURANCE COMPANY OF AMERICA | 2,997 | $238K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,811 | $835K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,498 | $823K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,669 | $676K |
| Other(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 3,531 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,531 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.