| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1 SOUTH JEFFERSON ST. ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 1.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1 SOUTH JEFFERSON ST. ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 1.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST. ROANOKE, VA 24011 | UNUM INSURANCE COMPANY | $10K | $2K | $11K | 18.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST. ROANOKE, VA 24011 | UNUM INSURANCE COMPANY | $9K | $1K | $10K | 17.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST. ROANOKE, VA 24011 | UNUM INSURANCE COMPANY | $7K | $1K | $8K | 17.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS | $3K | — | $3K | 10.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 412703 BOSTON, MA 02241 | METLIFE LEGAL PLANS | — | $98 | $98 | 0.38% |
| MARSH & MCLENNAN AGENCY LLC | 9850 NW 41ST ST. STE 100 MIAMI, FL 33178 | METLIFE LEGAL PLANS | — | $92 | $92 | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METLIFE LEGAL PLANS | — | $67 | $67 | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J.W. TERRILL A MARSH & MCLENNAN AGE | 825 MARYVILLE CENTRE DR. STE 200 CHESTERFIELD, MO 63017 | METLIFE LEGAL PLANS | — | $25 | $25 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | NO STREET ADDRESS LISTED LOVELAND, OH 45140 | METLIFE LEGAL PLANS | — | $2 | $2 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | METLIFE LEGAL PLANS | -$316 | — | -$316 | -1.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST. ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $273 | $273 | 2.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST. ROANOKE, VA 24011 | FIRST UNUM LIFE INSURANCE COMPANY | — | $144 | $144 | 2.73% |
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 | 706 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,233 | $1.0M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 706 | $285K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 812 | $536K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 812 | $526K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,233 | $966K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 706 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,233 | — |
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."
No prospect flags tripped on this filing.