| 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 HEALTH PLAN | $14K | $0 | $14K | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 4900 LIBBIE MILL EAST BLV SUITE 100 RICHMOND, VA 23230 | SENTARA HEALTH PLAN | $8K | $0 | $8K | 1.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $106 | $2K | 1.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNEN | 4900 LIBBIE MILL EAST BLV SUITE 100 RICHMOND, VA 23230 | SHIC PPO | $475 | $0 | $475 | 1.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 4900 LIBBIE MILL EAST BLV SUITE 100 RICHMOND, VA 23230 | SHIC PPO | $354 | $0 | $354 | 2.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC DBA RUTHERFOORD | BENEFIT SERVICES PO BOX 12748 ROANOKE, VA 24027 | VISION SERVICE PLAN | $1K | $0 | $1K | 7.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $112 | $0 | $112 | 0.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | — | LEGAL RESOURCES | $39 | $0 | $39 | 0.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BNFTS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $140 | $71 | $211 | 27.19% |
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 | 144 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | SENTARA HEALTH PLAN | 197 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $192K |
| Vision | VISION SERVICE PLAN | 113 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $192K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $192K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.