| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $83K | $683 | $84K | 3.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 EAST VINE STREET SUITE 200 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 19.54% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA R LARSON | 801 LAUDERDALE DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 7.06% |
| PAMELA ROWSEY LARSON3 | 801 LAUDERDALE DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 4.55% |
| LAURA BETH KELLER3 Filed as: LAURA B KELLER | 2220 EXECUTIVE DRIVE SUITE 204 LEXIGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $603 | — | $603 | 0.69% |
| CHRISTINA A WEYLS3 Filed as: CHRISTINA A WEULS | 422 JACK TURNER WAY LANCASTER, KY 40444 | CONTINENTAL AMERICAN INSURANCE COMPANY | $598 | — | $598 | 0.69% |
| WESLEY E JARBOE3 | 1102 LEATHERS LANE FRANKFORT, KY 40601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $452 | — | $452 | 0.52% |
| MITCHELL D ELLIOTT3 | 353 W 4TH STREET UNIT 304 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $443 | — | $443 | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $38 | $11K | 19.66% |
| 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 | — | $686 | $686 | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9 | $9 | 0.02% |
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 | 319 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 969 | $2.6M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 969 | $2.6M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 969 | $2.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 319 | $56K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 319 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 969 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.