| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PARKWAY, SUITE 2500 HOUSTON, TX 77019 | ANTHEM LIFE INSURANCE COMPANY | $12K | $0 | $12K | 5.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $94K | $25K | $119K | 63.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | — | SIMNSA | $9K | $0 | $9K | 7.00% |
| ROBBINS STAR3 | PO BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36K | $0 | $36K | 32.09% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $522 | $0 | $522 | 0.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC. | 1201 W CYPRESS CREEK RD., STE. 130 FORT LAUDERDALE, FL 33309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $201 | $0 | $201 | 0.18% |
| ALKEME INSURANCE SERVICES INC3 | 211 S 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $182 | $0 | $182 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E VINE ST., STE 200 LEXINGTON, KY 40507 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 8.05% |
| JIM FRENCH3 | 220 SOUTH KING ST., STE. 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $659 | $0 | $659 | 3.66% |
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 | 327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SIMNSA | 60 | $216K |
| Dental(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 911 | $385K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 911 | $186K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 235 | $310K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 235 | $197K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 235 | $197K |
| Prescription drug(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 14 | $92K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 911 | $186K |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 235 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 911 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.