| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANKERS INSURANCE LLC3 | 801 MAIN STREET, SUITE 912 LYNCHBURG, VA 245041520 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D) | $10K | $1K | $12K | 11.29% |
| BANKERS INSURANCE LLC3 | 801 MAIN STREET, SUITE 912 LYNCHBURG, VA 245041520 | UNITED OF OMAHA LIFE INSURANCE COMPANY (SHORT TERM DISABILITY) | $5K | — | $5K | 10.00% |
| BANKERS INSURANCE LLC3 | 801 MAIN STREET, SUITE 912 LYNCHBURG, VA 245041520 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D-VOLUNTARY) | $4K | $1K | $5K | 13.01% |
| BANKERS INSURANCE LLC3 | 801 MAIN STREET, SUITE 912 LYNCHBURG, VA 245041520 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LONG TERM DISABILITY) | $3K | $895 | $3K | 13.56% |
| BERNARD ALAN NASH3 | 2628 WESTHAVEN PLACE LYNCHBURG, VA 24501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $841 | $15 | $856 | 6.96% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT AND SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $397 | — | $397 | 3.23% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | P.O. BOX 5936 GLEN ALLEN, VA 23058 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | $42 | $223 | 1.81% |
| LAURA H MILLEN3 Filed as: LAURA H. MILLEN | 8023 AINSDALE LANE CHESTERFIELD, VA 23832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $64 | $158 | 1.28% |
| STEVEN E MCNAMEE3 Filed as: STEVEN E. MCNAMEE | 9208 OAK SPRINGS CT RICHMOND, VA 23229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.63% |
| BENJAMIN POMEROY3 | 2300 OAKENGATE LANE MIDLOTHIAN, VA 23113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.34% |
| DAVID E SHELL JR3 Filed as: DAVID E. SHELL JR. | 504 RAINBOW DRIVE STAUNTON, VA 24401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.07% |
| ROBERT E PAGANI3 Filed as: ROBERT E. PAGANI | 10840 SUNSET HILLS DRIVE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| BANKERS INSURANCE LLC3 | 801 MAIN STREET, SUITE 912 LYNCHBURG, VA 245041520 | UNITED OF OMAHA LIFE INSURANCE COMPANY (VOLUNTARY LONG-TERM DISABILITY | $1K | $406 | $2K | 13.43% |
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 | 548 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D) | 760 | $142K |
| Short-term disability(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D) | 760 | $205K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY (LONG TERM DISABILITY) | 156 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 760 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.