| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST 200 GREENSBORO, NC 27455 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $9K | $9K | $18K | 9.66% |
| THE FRIEDEN AGENCY DBA TFA BENEFITS3 Filed as: FRIEDEN AGENCY LLC - 397 | LITTLE NECK ROAD STE108 BLDG 3300 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $5K | $2K | $7K | 3.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $15K | $554 | $16K | 9.32% |
| EDWARD SIMS3 Filed as: EDWARD OWENS AGENCY | P.O BOX 946 SOUTH BOSTON, VA 24592 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $10K | $0 | $10K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $10K | $716 | $11K | 9.64% |
| EDWARD SIMS3 Filed as: EDWARD OWENS AGENCY | P.O BOX 946 SOUTH BOSTON, VA 24592 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $7K | $0 | $7K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $2K | $0 | $2K | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 E LIBBIE MILL E BLVD #100 RICHMOND, VA 23230 | EYEMED | $3K | $0 | $3K | 6.51% |
| EDWARD SIMS3 Filed as: EDWARD OWENS AGENCY | P.O. BOX 946 SOUTH BOSTON, VA 24592 | EYEMED | $2K | $0 | $2K | 4.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $1K | $0 | $1K | 11.56% |
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 | 1,207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 518 | $182K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 518 | $235K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,207 | $172K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 226 | $110K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 208 | $111K |
| Other | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | 63 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,207 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.