| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | HEALTHKEEPERS, INC. | $22K | — | $22K | 2.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $15K | — | $15K | 2.04% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 737 MAIN ST STE 200 BUFFALO, NY 14203 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | -$20 | — | -$20 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $5K | $21K | 6.91% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $990 | — | $990 | 0.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | VISION SERVICE PLAN | $3K | — | $3K | 10.66% |
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 | 213 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 104 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $306K |
| Vision | VISION SERVICE PLAN | 147 | $27K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $306K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $306K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $306K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 104 | $1.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.