| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $46K | $46K | 5.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 S. JEFFERSON STREET ROANOKE, VA 24011 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 12.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | VISION SERVICE PLAN | $685 | — | $685 | 7.23% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $919K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 121 | $116K |
| Vision | VISION SERVICE PLAN | 84 | $9K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $45K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $45K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.