| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RUTHERFORD -MARSH & MCLENNAN AGENCY | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $51K | $51K | 3.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | ONE SOUTH JEFFERSON STREET ROANOKE, VA 24011 | DELTA DENTAL OF VIRGINIA | $6K | — | $6K | 6.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 12.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $952 | $3K | 11.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $740 | $4K | 18.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $500 | $2K | 14.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 222 CENTRAL PARK AVENUE VIRGINIA BEACH, VA 23462 | EYEMED | $1K | — | $1K | 10.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | — | $158 | 3.37% |
| ROBERT KEMENY3 | 7304 BIRCH POINT DRIVE HENRICO, VA 23228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $138 | — | $138 | 2.94% |
| MICHAEL BACKHOFF3 | 906 BRADFORD AVENUE NASHVILLE, TN 37204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.90% |
| AZUCENA C UCTUM3 | 1199 TWIN RIVERS BOULEVARD OVIEDO, FL 32766 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.19% |
| VINCENT T CALLAHAN3 | 400 MONTICELLO AVENUE #1832 NORFOLK, VA 23510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.19% |
| JESSICA M GAINES3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.13% |
| THE DIAMOND AGENCY LLC3 Filed as: THE DIAMOND AGENCY | 1017 ASHES DRIVE 106 WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.13% |
| KELSEY DAVID EVERT3 Filed as: KELSEY D EVERT | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.06% |
| TRISTAN GAINES3 | 357 AZALEA WAY NEW BRAUNFELS, TX 78132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.06% |
| NOLAN D MCCUE3 | 242 HERITAGE PARK DRIVE SUITE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.06% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CAVAZOS RISK MANAGEMENT LLC | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.04% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DRIVE #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| NICHOLAS WAGNER3 | 729 MANOR DRIVE VIRGINIA BEACH, VA 23454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| CHAD T KNAPP3 | 448 LYNN SHORES DRIVE VIRGINIA BEACH, VA 23452 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $1.4M |
| Dental | DELTA DENTAL OF VIRGINIA | 245 | $91K |
| Vision | EYEMED | 210 | $12K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $38K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $48K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.