| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $2K | $15K | 6.77% |
| EDWARD SIMS3 Filed as: EDWARD OWENS | PO BOX 946 SOUTH BOSTON, VA 24592 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 4.89% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $16K | $793 | $16K | 9.46% |
| EDWARD OWEN AGENCY3 | PO BOX 946 SOUTH BOSTON, VA 24592 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $10K | — | $10K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $11K | $2K | $12K | 10.33% |
| EDWARD OWEN AGENCY3 Filed as: EDWARD OWNES AGENCY | PO BOX 946 SOUTH BOSTON, VA 24592 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $7K | — | $7K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $9K | $1K | $10K | 10.14% |
| EDWARD SIMS3 Filed as: EDWARD OWENS AGENCY | PO BOX 946 SOUTH BOSTON, VA 24592 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $6K | — | $6K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | EYEMED VISION CARE | $3K | — | $3K | 5.46% |
| EDWARD SIMS3 Filed as: EDWARD OWENS AGENCY | PO BOX 946 SOUTH BOSTON, VA 24592 | EYEMED VISION CARE | $2K | — | $2K | 3.64% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION - EXCHANGE | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | EYEMED VISION CARE | — | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE #300 GLEN ALLEN, VA 23060 | EYEMED VISION CARE | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $697 | — | $697 | 7.48% |
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 | 1,625 | 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) | 1,628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 716 | $227K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 526 | $58K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,625 | $173K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 155 | $117K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 155 | $103K |
| Other | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | 47 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,625 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.