| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST 200 GREENSBORO, NC 27455 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $27K | $3K | $29K | 7.60% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $34 | $14K | 5.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | VISION SERVICE PLAN | $3K | $0 | $3K | 9.73% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $34 | $4K | 21.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $218 | $218 | 1.18% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $34 | $2K | 19.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $104 | $104 | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 02241 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $410 | $54 | $464 | 11.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL EAST BLVD STE 100 RICHMOND, VA 23230 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $34 | $34 | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $34 | $34 | 0.83% |
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 | 273 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 179 | $413K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $246K |
| Vision | VISION SERVICE PLAN | 96 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $246K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $246K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $246K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.