| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RUTHERFOORD - MARSH & MCLENNAN AGEN | 4900 LIBBIE MILL EAST BLVD STE 100 RICHMOND, VA 23230 | UNITEDHEALTHCARE INSURANCE COMPANY | $139K | $0 | $139K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | TRION GROUP, AN MMC COMPANY PO BOX 350 CONSHOHOCKEN, PA 19428 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $108K | $0 | $108K | 9.52% |
| MARSH & MCLENNAN AGENCY LLC3 | FORMELY RUTHERFOORD FIN SVCS PO BOX 12748 ROANOKE, VA 24028 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $35K | $0 | $35K | 3.12% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $229 | $229 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | ATTN KATHY KANACK 1031 W 4TH AVE STE 400 ANCHORAGE, AK 99501 | PREMERA BLUE CROSS BLUE SHIELD OF ALASKA, INC. | $16K | $0 | $16K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KSPH - MARSH & MCLENNAN AGENCY LLC | 4900 LIBBIE MILL EAST BLVD STE 100 RICHMOND, VA 23230 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | $0 | $34K | 16.88% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $183 | $0 | $183 | 10.10% |
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 | 1,563 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,563 | $7.3M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,563 | $7.3M |
| Vision(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,563 | $7.3M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,237 | $1.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,237 | $1.1M |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,563 | $7.3M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,237 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,563 | — |
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.