| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 32332 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 2.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 32332 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 32332 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 3.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 32332 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $46K | — | $46K | 19.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 32332 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 5.09% |
| WORKDAY INC3 | PO BOX 886106 LOS ANGELES, CA 90088 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 2.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $754 | $126 | $880 | 17.51% |
| ANTHEM INSURANCE COMPANIES, INC.5 Filed as: ANTHEM HEALTH PLANS OF VIRGINIA | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | — | $1.1M | $1.1M | — |
| HEALTHKEEPERS INC5 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | HEALTHKEEPERS, INC. (G1608) | — | $373K | $373K | — |
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 | 4,673 | 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) | 4,673 | 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 | 2,877 | $250K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,769 | $643K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,462 | $827K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,625 | $695K |
| Other(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 4,673 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,673 | — |
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.