| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RUTHERFOORD - | MARSH MCLENNAN AGENCY 4900 LIBBIE MILL EAST BLVD STE 100 RICHMOND, VA 232302131 | UNITEDHEALTHCARE INSURANCE COMPANY | $836 | $59K | $60K | 3.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RUTHERFOORD - | MARSH MCLENNAN AGENCY 4900 LIBBIE MILL EAST BLVD STE 100 RICHMOND, VA 23230 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | $0 | $29K | 15.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KSPH - MARSH & MCLENNAN AGENCY LLC | 4900 LIBBIE MILL EAST BLVD STE 100 RICHMOND, VA 23230 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 6.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 3625 N ELM ST STE 200 GREENSBORO, NC 27455 | DELTA DENTAL OF VIRGINIA | $9K | $0 | $9K | 10.14% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 310 | $1.6M |
| Dental | DELTA DENTAL OF VIRGINIA | 271 | $90K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 310 | $1.6M |
| Life insurance(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $364K |
| Short-term disability(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $364K |
| Long-term disability(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $364K |
| Other(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.