| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | HEALTHKEEPERS, INC. | $26K | $0 | $26K | 2.40% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $3K | $0 | $3K | 2.29% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM LIFE INSURANCE COMPANY | $10K | $0 | $10K | 11.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SENN DUNN MARSH & MCLENNAN AGENCY | 3625 N ELM ST GREENSBORO, NC 27455 | HUMANA INSURANCE COMPANY | $8K | $0 | $8K | 11.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 10.81% |
| MELISSA L KARNES3 | 1002 CANINE COURT THAXTON, VA 24174 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 5.66% |
| JUDY L MCCULLOUGH3 | 5182 THOMAS JEFFERSON RD FOREST, VA 24551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.09% |
| TRAVIS B HAWKINS3 Filed as: TRAVIS BROCKMAN HAWKINS | 125 BOGEY DR ABINGDON, VA 242113605 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | STANDARD INSURANCE COMPANY | $4K | $2K | $6K | 14.46% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 145 | $1.2M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 132 | $208K |
| Vision | HUMANA INSURANCE COMPANY | 132 | $67K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 180 | $128K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 180 | $128K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 180 | $128K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 55 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.