| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 2.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 2.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $71K | — | $71K | 19.95% |
| WORKDAY INC | PO BOX 886106 LOS ANGELES, CA 90088 | STANDARD INSURANCE COMPANY | — | $12K | $12K | 3.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL BLVD STE 100 RICHMOND, VA 23230 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET SUITE 1200 CONSHOCHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET SUITE 1200 CONSHOCHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6 | $6 | — |
| ANTHEM INSURANCE COMPANIES, INC.5 Filed as: ANTHEM HEALTH PLANS OF VIRGINIA | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2.0M | — | $2.0M | — |
| HEALTHKEEPERS INC5 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | HEALTHKEEPERS, INC. (G1608) | — | — | $0 | — |
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 | 2,782 | 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) | 2,782 | 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 | 2,016 | $228K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,782 | $817K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,476 | $859K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,606 | $711K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 2,009 | $1.7M |
| Other(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,466 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,782 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.