| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL BOULEVARD SUITE 100 RICHMOND, VA 23230 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $64K | $64K | 2.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 300 RICHMOND, VA 23230 | AETNA LIFE INSURANCE CO. | $39K | — | $39K | 13.71% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | — | AETNA LIFE INSURANCE CO. | $4K | $67 | $4K | 1.49% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44K | — | $44K | 29.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | — | $28K | 18.66% |
| BEAU DAVID BOUDREAUX3 Filed as: BEAU, BOUDEREAUX | WORKPLACE SOLUTIONS 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.27% |
| FAY JETER MARTIN3 Filed as: FAY J MARTIN | 19220 FOREST RD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $724 | — | $724 | 0.49% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS PAID LESS | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $706 | — | $706 | 0.48% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 46.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 400 RICHMOND, VA 23230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $104 | $10K | 36.13% |
| BOUDREAUX, BEAU, DAVID3 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $233 | $2K | 7.98% |
| PELUSO, CHARLES B3 | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | FIRST UNUM LIFE INSURANCE COMPANY | $84 | — | $84 | 46.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | FIRST UNUM LIFE INSURANCE COMPANY | $65 | — | $65 | 36.11% |
| BOUDREAUX, BEAU, DAVID3 | 120-A GILLS CRK PKWY COLUMBIA, SC 29209 | FIRST UNUM LIFE INSURANCE COMPANY | $13 | — | $13 | 7.22% |
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 | 459 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 501 | $2.9M |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 459 | $312K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 459 | $283K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 459 | $283K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 501 | $2.9M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 459 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.