| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $3K | $12K | 6.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN LLC | PO BOX 11557 RICHMOND, VA 23230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $707 | $9K | 17.18% |
| BENEFIT TECHNOLOGY RESOURCES3 | 301 W PLATT STREET #507 TAMPA, FL 33606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN LLC | PO BOX 11557 RICHMOND, VA 23230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $351 | $5K | 17.59% |
| BENEFIT TECHNOLOGY RESOURCES3 | 301 W PLATT STREET #507 TAMPA, FL 33606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $842 | $0 | $842 | 3.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN LLC | PO BOX 32135 RICHMOND, VA 23294 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $474 | $6K | 24.33% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $268 | $2K | 9.44% |
| BENEFIT TECHNOLOGY RESOURCES3 | 301 W PLATT STREET #507 TAMPA, FL 33606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $548 | $0 | $548 | 2.29% |
| ATLANTIC FINANCIAL BENEFITS INC3 | 1060 LASKIN RD STE 12B VIRGINIA BEACH, VA 23451 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $222 | $0 | $222 | 0.93% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 739 | $200K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 181 | $499K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $71K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 40 | $26K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 296 | $64K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 181 | $499K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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."
No prospect flags tripped on this filing.