| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 4900 LIBBIE MILL EAST BLV SUITE 100 RICHMOND, VA 23230 | SENTARA ADVANTAGE POS M/C | $1K | $0 | $1K | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 4900 LIBBIE MILL EAST BLV SUITE 100 RICHMOND, VA 23230 | SENTARA HEALTH PLAN | $420 | $0 | $420 | 0.46% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE NORFOLK, VA 23510 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $1K | $15K | 19.18% |
| BENEFITS COUNT LI INC3 | 1401 CHRISTMAS CT RALEIGH, NC 27604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $575 | $2K | 2.84% |
| TIFFANY GODLEY SMITH3 | 1136 MASTERS ROW CHESEPEAKE, VA 23322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.86% |
| TOWNE INSURANCE AGENCY LLC3 | 3 COMMERCIAL PLACE NORFOLK, VA 23510 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $643 | $0 | $643 | 0.84% |
| JOHN BERRY3 | 1233 NEW BORN COURT CHESAPEAKE, VA 23322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $310 | $377 | 0.49% |
| JOHN E CUMMINGS3 | 1239 OCEAN SHORE BLVD APT 5A ORMOND BEACH, FL 32176 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 4900 LIBBIE MILL EAST BLV SUITE 100 RICHMOND, VA 23230 | SENTARA HEALTH PLAN | $462 | $0 | $462 | 0.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 4900 LIBBIE MILL EAST BLV SUITE 100 RICHMOND, VA 23230 | SHIC PPO | $378 | $0 | $378 | 0.89% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PL STE 1600 NORFOLK, VA 23510 | DELTA DENTAL OF VIRGINIA | $1K | $0 | $1K | 3.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 1 S JEFFERSON ST ROANOKE, VA 24011 | DELTA DENTAL OF VIRGINIA | $486 | $0 | $486 | 1.27% |
| AGE JILL- 105817S3 | 3 COMMERCIAL PL NORFOLK, VA 23510 | KANSAS CITY LIFE | $492 | $0 | $492 | 6.80% |
| HOWARD JEAN- 123177S3 | 222 CENTRAL PARK AVE SUITE 1340 VIRIGINA BEACH, VA 23462 | KANSAS CITY LIFE | $279 | $0 | $279 | 3.86% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PL STE 1600 NORFOLK, VA 23510 | VISION SERVICE PLAN | $520 | $0 | $520 | 7.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $88 | $0 | $88 | 1.23% |
| TFA BENEFITS3 | — | LEGAL RESOURCES | $494 | $0 | $494 | 8.22% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | SENTARA ADVANTAGE POS M/C | 59 | $576K |
| Dental | DELTA DENTAL OF VIRGINIA | 120 | $38K |
| Vision | VISION SERVICE PLAN | 81 | $7K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 104 | $83K |
| Other(9 contracts, 6 carriers) | SENTARA ADVANTAGE POS M/C | 104 | $665K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.