| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 7.41% |
| INNOVATIVE INSURANCE GROUP LLC3 Filed as: INNOVATIVE INSURANCE GROUP, LLC | 2670 ELECTRIC ROAD ROANOKE, VA 24018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | DELTA DENTAL OF VIRGINIA | $2K | — | $2K | 3.55% |
| INNOVATIVE INSURANCE GROUP LLC3 Filed as: INNOVATIVE INSURANCE GROUP, LLC | 2670 ELECTRIC ROAD ROANOKE, VA 24018 | DELTA DENTAL OF VIRGINIA | $878 | — | $878 | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $21K | $0 | $21K | — |
| INNOVATIVE INSURANCE GROUP LLC3 Filed as: INNOVATIVE INSURANCE GROUP, LLC | 2670 ELECTRIC ROAD ROANOKE, VA 24018 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $10K | $0 | $10K | — |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 145 | $0 |
| Dental | DELTA DENTAL OF VIRGINIA | 212 | $65K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $120K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $120K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.