| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | ATTN COMMISSIONS 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $20K | — | $20K | 4.13% |
| BB&T INSURANCE SERVICES, INC.3 | ATTN COMMISSIONS 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | OHIC-PPO | $5K | — | $5K | 3.88% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL SERVICES | 2940 N. LYNNHAVEN ROAD SUITE 100 VIRGINIA BEACH, VA 23452 | HARTFORD LIFE AND ACCIDENT | $11K | $5K | $16K | 14.81% |
| BB&T INSURANCE SERVICES, INC.3 | ONE COLUMBUS CENTER SUITE 202 VIRGINIA BEACH, VA 23462 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | — | $4K | 6.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICS, INC. | ATTN COMMISSIONS 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $2K | — | $2K | 6.38% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 19.66% |
| 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 | $3K | — | $3K | 16.14% |
| DIANA M MERCIEZ3 | 2541 BELMONT STAKES DR VIRGINIA BEACH, VT 23456 | AFLAC | $183 | — | $183 | 4.15% |
| DEBORAH H HALL3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $92 | — | $92 | 2.09% |
| SHAWN K STEPHENS3 | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $46 | — | $46 | 1.04% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $31 | — | $31 | 0.70% |
| BRANDON SHOLAR3 Filed as: BRANDON W SHOLAR | 4608 WESTGROVE COURT VIRGINIA BEACH, VT 23455 | AFLAC | $29 | — | $29 | 0.66% |
| KENNETH W SHOLAR3 | 4608 WESTGROVE COURT HAYGOOD EXECUTIVE PARK VIRGINIA BEACH, VA 23455 | AFLAC | $25 | — | $25 | 0.57% |
| ASHLEY BONANNO3 Filed as: ASHLEY R BONANNO | 20 ERCELLE CT BRACEY, VA 23919 | AFLAC | $18 | — | $18 | 0.41% |
| ANITA BUECHLER3 | 1000 RABBIT RUN CHESAPEAKE, VA 23320 | AFLAC | $18 | — | $18 | 0.41% |
| KENNETH PRITCHETT3 | 1008 SAINT ANDREWS WAY APT D CHESAPEAKE, VA 23320 | AFLAC | $18 | — | $18 | 0.41% |
| BRUCE WAYNE HEAD3 | 700 MONTAUK LN APT 106 CHESAPEAKE, VA 23320 | AFLAC | $13 | — | $13 | 0.29% |
| LAWRENCE WAYNE CROCKER3 | 212 CHEYENNE RD VIRGINIA BEACH, VA 23462 | AFLAC | $9 | — | $9 | 0.20% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD RD STE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $7 | — | $7 | 0.16% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $5 | — | $5 | 0.11% |
| GLENN E SMITH3 | 311 NAPLES CT CHESAPEAKE, VA 23322 | AFLAC | $4 | — | $4 | 0.09% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 Filed as: ANDREW D JOHNSON | 2205 WOOD IBIS WAY VIRGINIA BEACH, VA 23455 | AFLAC | $4 | — | $4 | 0.09% |
| CHARLES MORGAN3 Filed as: CHARLES R MORGAN | 1721 SWAN LAKE CRES CHESAPEAKE, VA 23321 | AFLAC | $4 | — | $4 | 0.09% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $3 | — | $3 | 0.07% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $2 | — | $2 | 0.05% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $2 | — | $2 | 0.05% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 134 | $658K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 125 | $67K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 213 | $110K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 213 | $110K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 213 | $110K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 213 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.