| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL SERVICES | 2940 N. LYNNHAVEN ROAD SUITE 100 VIRGINIA BEACH, VA 23452 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 11.18% |
| BB&T INSURANCE SERVICES, INC.3 | ONE COLUMBUS CENTER SUITE 202 VIRGINIA BEACH, VA 23462 | ANTHEM HEALTH PLANS OF VIRGINIA | $3K | — | $3K | 6.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 17.74% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 15.76% |
| DIANA M MERCIEZ3 Filed as: DIANA M. MERCIEZ | 2541 BELMONT STAKES DRIVE VIRGINIA BEACH, VA 23456 | AFLAC | $220 | — | $220 | 4.22% |
| DEBORAH H HALL3 Filed as: DEBORAH H. HALL | 105 LONG LEAF PLACE MADISON, MS 39110 | AFLAC | $111 | — | $111 | 2.13% |
| SHAWN K STEPHENS3 Filed as: SHAWN K. STEPHENS | 1323 GRAHAM TRACE LANE LEAGUE CITY, TX 77579 | AFLAC | $50 | — | $50 | 0.96% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $38 | — | $38 | 0.73% |
| BRANDON SHOLAR3 Filed as: BRANDON W. SHOLAR | 4608 WESTGROVE COURT VIRGINIA BEACH, VA 23455 | AFLAC | $35 | — | $35 | 0.67% |
| KENNETH W SHOLAR3 Filed as: KENNETH W. SHOLAR | 4608 WESTGROVE COURT HAYGOOD EXECUTIVE PARK VIRGINIA BEACH, VA 23455 | AFLAC | $30 | — | $30 | 0.58% |
| ASHLEY BONANNO3 Filed as: ASHLEY R. BONANNO | 20 ERCELLE COURT BRACEY, VA 23919 | AFLAC | $21 | — | $21 | 0.40% |
| BRUCE WAYNE HEAD3 | 1400 PANTIGO LANE APT. 107 CHESAPEAKE, VI 23320 | AFLAC | $15 | — | $15 | 0.29% |
| LAWRENCE WAYNE CROCKER3 | 212 CHEYENNE ROAD VIRGINIA BEACH, VA 23462 | AFLAC | $11 | — | $11 | 0.21% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $7 | — | $7 | 0.13% |
| SHAWN K STEPHENS3 Filed as: SHAWN K. STEPHENS | 515 S. FRY ROAD SUITE A KATY, TX 77450 | AFLAC | $5 | — | $5 | 0.10% |
| MICHAEL FATHERREE3 | 11876 MOORHEN CIRCLE FORT WORTH, TN 76244 | AFLAC | $2 | — | $2 | 0.04% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 101 | $442K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA | 97 | $51K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $66K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $66K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $66K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.