| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | OHIC PPO | $12K | — | $12K | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | OHIC PPO | $4K | — | $4K | 2.22% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | OHIC PPO | $2K | — | $2K | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RUTHERFOORD FINANCIAL SERVICES | 6230 FAIRVIEW RD., SUITE 230 CHARLOTTE, NC 28210 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RUTHERFOORD FINANCIAL SERVICES | 5605 CARNEGIE BLVD., SUITE 300 CHARLOTTE, NC 28209 | AETNA LIFE INSURANCE COMPANY | $585 | — | $585 | 0.87% |
| GARY W GOYER3 | 5463 WINESAP DR ROANOKE, VA 24019 | AFLAC | $261 | — | $261 | 8.43% |
| KEVIN L MARTIN3 | 608 W CARROLLTON AVENUE SALEM, VA 24153 | AFLAC | $39 | — | $39 | 1.26% |
| JACKSON D RHODES3 | 525 W OAKLAND AVE., SUITE 7 JOHNSON CITY, TN 37604 | AFLAC | $36 | — | $36 | 1.16% |
| JOHN A HAWLEY3 | 1390 SOUTHSIDE DRIVE SALEM, VA 24153 | AFLAC | $18 | — | $18 | 0.58% |
| BRIAN CUMPTAN3 | 320 9TH STREET, SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $12 | — | $12 | 0.39% |
| THOMAS E HATCHER JR3 | 717 GREEN VALLEY RD., SUITE 200 GREENSBORO, NC 27408 | AFLAC | $12 | — | $12 | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $190 | — | $190 | 9.16% |
| GARY W GOYER3 | 5463 WINESAP DR ROANOKE, VA 24019 | AFLAC | $29 | — | $29 | 11.55% |
| MELVIN R JONES3 | 3025 ELIOCH MANOR DR POWHATAN, VA 23139 | AFLAC | $4 | — | $4 | 1.59% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL SR | 9701 GAYTON RD., SUITE 6 RICHMOND, VA 23238 | AFLAC | $3 | — | $3 | 1.20% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | OHIC PPO | 69 | $804K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 26 | $2K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 203 | $67K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 203 | $67K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 203 | $67K |
| Prescription drug(3 contracts) | OHIC PPO | 69 | $804K |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 203 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
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.