| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 5575 VENTURA DRIVE UNIT D/DOCK DOOR 21 PARMA, OH 44130 | HEALTHKEEPERS, INC. | $12K | $1K | $13K | 1.42% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HEALTHKEEPERS, INC. | $12K | $0 | $12K | 1.25% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 5575 VENTURA DRIVE UNIT D/DOCK DOOR 21 PARMA, OH 44130 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2K | $263 | $3K | 1.39% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2K | $0 | $2K | 1.21% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 2ND FLOOR 160 FEDERAL ST BOSTON, MA 02110 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 9.19% |
| MARSH & MCLENNAN AGENCY LLC3 | SUITE 200 3625 NORTH ELM ST GREENSBORO, NC 27455 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 4.51% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $31 | $31 | 0.03% |
| JUDY L MCCULLOUGH3 | 5182 THOMAS JEFFERSON RD FOREST, VA 24551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 5.92% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | LEGACY DIRECT BILL RECEIPT LOCKBOX PO BOX 736061 CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.04% |
| MELISSA L KARNES3 | 1002 CANINE COURT THAXTON, VA 24174 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.16% |
| TRAVIS B HAWKINS3 Filed as: TRAVIS BROCKMAN HAWKINS | 125 BOGEY DR ABINGDON, VA 242113605 | CONTINENTAL AMERICAN INSURANCE COMPANY | $434 | $0 | $434 | 0.66% |
| LEWIS KNIGHT GATHRIGHT3 | 429 MAPLE TOP LANE PO BOX 165 BUCKINGHAM, VA 23291 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | $0 | $97 | 0.15% |
| RSC INSURANCE BROKERAGE INC3 | 7500 OLD GEORGETOWN ROAD SUITE 1225 BETHESDA, MD 20814 | HUMANA INSURANCE COMPANY | $785 | $0 | $785 | 5.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST GREENSBORO, NC 27455 | HUMANA INSURANCE COMPANY | $468 | $0 | $468 | 3.36% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FL PO BOX 970069 BOSTON, MA 02110 | HUMANA INSURANCE COMPANY | $0 | $44 | $44 | 0.32% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 187 | $1.1M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 187 | $195K |
| Vision | HUMANA INSURANCE COMPANY | 134 | $14K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 168 | $116K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 168 | $116K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 168 | $116K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 168 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.