| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $31K | $31K | 2.08% |
| VBA BENEFITS CORPORATION3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | EXPRESS SCRIPTS, INC. | $10K | — | $10K | 2.68% |
| VBA BENEFITS CORPORATION3 | 4490 COX RD GLEN ALLEN, VA 23060 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 4.33% |
| VBA BENEFITS CORPORATION3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $11K | — | $11K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $5K | $5K | 1.98% |
| VBA BENEFITS CORPORATION3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 16.14% |
| VBA BENEFITS CORPORATION3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 15.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUNTRUST BANK EIN 53-0116200 NONE | Named fiduciary; Custodial (other than securities) Service code 18 | — | $3K |
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 | 8,607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 172 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 173 | $283K |
| Vision | VISION SERVICE PLAN | 4,476 | $645K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 8,725 | $2.9M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,463 | $229K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 8,358 | $1.5M |
| Prescription drug | EXPRESS SCRIPTS, INC. | 174 | $388K |
| Other(3 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 8,725 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,725 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.