| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED HEALTHCARE INSURANCE COMPANY | $201K | $6K | $207K | 3.07% |
| SUMMIT GROUP OF VIRGINIA3 Filed as: SUMMIT GROUP OF VIRGINIA LLP | 5029 CORPORATE WOODS DR, SUITE 180 VIRGINIA BEACH, VA 23462 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $4K | $21K | 5.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $5K | $24K | 6.24% |
| SUMMIT GROUP OF VIRGINIA3 Filed as: SUMMIT GROUP OF VIRGINIA LLP | 5029 CORPORATE WOODS DR, SUITE 180 VIRGINIA BEACH, VA 23462 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $3K | $19K | 5.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 15.04% |
| SUMMIT GROUP OF VIRGINIA3 Filed as: SUMMIT GROUP OF VIRGINIA LLP | 5029 CORPORATE WOODS DR, SUITE 180 VIRGINIA BEACH, VA 23462 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $2K | $22K | 12.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | VISION SERVICE PLAN | $2K | — | $2K | 3.86% |
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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 805 | $6.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 782 | $391K |
| Vision | VISION SERVICE PLAN | 280 | $46K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 314 | $171K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 314 | $365K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 314 | $408K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 805 | $6.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 314 | $503K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 805 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.