| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $8K | $1K | $10K | 5.59% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE BLDG 1600 NORFOLK, VA 23510 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $5K | $863 | $6K | 3.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $15K | $4K | $19K | 11.43% |
| 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 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $300 | $0 | $300 | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $9K | $0 | $9K | 9.00% |
| EDWARD SIMS3 Filed as: EDWARD OWENS AGENCY | P.O. BOX 946 SOUTH BOSTON, VA 24592 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $6K | $0 | $6K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1 S JEFFERSON ST ROANOKE, VA 24011 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $4K | $4K | 3.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $497 | $497 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $9K | $0 | $9K | 9.00% |
| EDWARD SIMS3 Filed as: EDWARD OWENS AGENCY | P.O BOX 946 SOUTH BOSTON, VA 24592 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $6K | $0 | $6K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1 S JEFFERSON ST ROANOKE, VA 24011 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $4K | $4K | 3.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $493 | $493 | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 12748 ROANOKE, VA 24028 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $1K | $0 | $1K | 9.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 E LIBBIE MILL E BLVD #100 RICHMOND, VA 23230 | EYEMED | $362 | $0 | $362 | 5.95% |
| EDWARD SIMS3 Filed as: EDWARD OWENS AGENCY | P.O. BOX 946 SOUTH BOSTON, VA 24592 | EYEMED | $241 | $0 | $241 | 3.96% |
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 | 1,352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 520 | $171K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 520 | $177K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,591 | $165K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 264 | $99K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 245 | $97K |
| Other | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | 71 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,591 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.