| 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. | $110K | — | $110K | 14.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 EAST VINE STREET SUITE 200 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 17.65% |
| PAMELA ROWSEY LARSON3 | 801 LAUDERDALE DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 8.52% |
| CHRISTINA A WEYLS3 | 422 JACK TURNER WAY LANCASTER, KY 40444 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.93% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA R LARSON | 801 LAUDERDALE DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.50% |
| LAURA BETH KELLER3 Filed as: LAURA B KELLER | 2220 EXECUTIVE DRIVE SUITE 204 LEXIGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $267 | — | $267 | 0.31% |
| JOEL SCHNEIDER3 | 369 BIG HILL AVE RICHMOND, KY 40475 | CONTINENTAL AMERICAN INSURANCE COMPANY | $177 | — | $177 | 0.20% |
| WESLEY E JARBOE3 | 1102 LEATHERS LANE FRANKFORT, KY 40601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | — | $172 | 0.20% |
| MITCHELL D ELLIOTT3 | 353 W 4TH STREET UNIT 304 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $170 | — | $170 | 0.20% |
| BRENT HUTCHINSON3 Filed as: BRENT D HUTCHINSON | 333 W VINE ST STE 300 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE STREET SUITE 200 LEXINGTON, KY 40507 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $33 | $16K | 19.95% |
| 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 | — | $956 | $956 | 1.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24 | $24 | 0.03% |
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 | 342 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 526 | $757K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 526 | $757K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 526 | $757K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $82K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 342 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.