| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $67K | $6K | $74K | 29.28% |
| 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 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | -$21 | $0 | -$21 | -0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | UKNOWN UKNOWN, PA 00000 | SIMNSA | $10K | $0 | $10K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 8.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC. | 1661 WORTHINGTON AVE., STE. 175 WEST PALM BEACH, FL 33409 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 3.53% |
| STAR ROBBINS3 Filed as: STAR ROBBINS & COMPANY | PO BOX 1007 LONDON, KY 40743 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 3.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC. | PO BOX 5727 FORT LAUDERDALE, FL 33010 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 1.45% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 211 S 23RD ST. PLATTSMOUTH, NE 68048 | STANDARD INSURANCE COMPANY | $0 | $20 | $20 | 0.02% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 211 S 23RD ST. PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39K | $0 | $39K | 38.59% |
| ROBBINS STAR3 | PO BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | $0 | $11K | 11.15% |
| 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 | $8K | $0 | $8K | 7.62% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 2030 LEXINGTON, KY 40507 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $98 | $98 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 9.41% |
| STAR ROBBINS3 Filed as: STAR ROBBINS & COMPANY | PO BOX 1007 LONDON, KY 40743 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 4.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC. | 595 STEWART AVE., STE. 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 11.86% |
| STAR ROBBINS3 Filed as: STAR ROBBINS & COMPANY | PO BOX 1007 LONDON, KY 40743 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 3.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC. | 1661 WORTHINGTON AVE., STE. 175 WEST PALM BEACH, FL 33409 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 3.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | PO BOX 5727 FORT LAUDERDALE, FL 33010 | STANDARD INSURANCE COMPANY | $0 | $811 | $811 | 0.97% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 211 S 23RD ST. PLATTSMOUTH, NE 68048 | STANDARD INSURANCE COMPANY | $0 | $66 | $66 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 11.86% |
| STAR ROBBINS3 Filed as: STAR ROBBINS & COMPANY | PO BOX 1007 LONDON, KY 40743 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 3.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC. | 1661 WORTHINGTON AVE., STE. 175 WEST PALM BEACH, FL 33409 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | PO BOX 5727 FORT LAUDERDALE, KY 40743 | STANDARD INSURANCE COMPANY | $0 | $572 | $572 | 0.97% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 211 S 23RD ST. PLATTSMOUTH, NE 68048 | STANDARD INSURANCE COMPANY | $0 | $48 | $48 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 8.55% |
| STAR ROBBINS3 Filed as: STAR ROBBINS & COMPANY | PO BOX 1007 LONDON, KY 40743 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 4.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC. | 595 STEWART AVE., STE. 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $506 | $0 | $506 | 1.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC. | 1201 W. CYPRESS CREEK, SUITE 1300 FORT LAUDERDALE, FL 33309 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | $0 | $2K | 6.58% |
| JIM FRENCH3 | 220 SOUTH KING ST., STE. 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $512 | $0 | $512 | 2.90% |
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 | 486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SIMNSA | 39 | $159K |
| Dental(2 contracts, 2 carriers) | SIMNSA | 258 | $236K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 486 | $284K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 356 | $204K |
| Short-term disability | STANDARD INSURANCE COMPANY | 223 | $83K |
| Long-term disability | STANDARD INSURANCE COMPANY | 224 | $59K |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 4 | $18K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 378 | $251K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 94 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.