| 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) | $13K | $2K | $15K | 8.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P O BOX 3207 BOSTON, MA 022413207 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D) | $5K | $0 | $5K | 2.68% |
| BANKERS INSURANCE LLC3 | 801 MAIN STREET, SUITE 912 LYNCHBURG, VA 245041520 | UNITED OF OMAHA LIFE INSURANCE COMPANY (SHORT TERM DISABILITY) | $4K | $1K | $5K | 9.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P O BOX 3207 BOSTON, MA 022413207 | UNITED OF OMAHA LIFE INSURANCE COMPANY (SHORT TERM DISABILITY) | $2K | $0 | $2K | 2.61% |
| BANKERS INSURANCE LLC3 | 801 MAIN STREET, SUITE 912 LYNCHBURG, VA 245041520 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D-VOLUNTARY) | $3K | $867 | $4K | 9.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P O BOX 3207 BOSTON, MA 022413207 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D-VOLUNTARY) | $1K | $0 | $1K | 2.47% |
| BANKERS INSURANCE LLC3 | 801 MAIN STREET, SUITE 912 LYNCHBURG, VA 245041520 | UNITED OF OMAHA LIFE INSURANCE COMPANY (VOLUNTARY SHORT-TERM DISABILIT | $3K | $474 | $4K | 8.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P O BOX 3207 BOSTON, MA 022413207 | UNITED OF OMAHA LIFE INSURANCE COMPANY (VOLUNTARY SHORT-TERM DISABILIT | $994 | $0 | $994 | 2.44% |
| BANKERS INSURANCE LLC3 | 801 MAIN STREET, SUITE 912 LYNCHBURG, VA 245041520 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LONG TERM DISABILITY) | $2K | $557 | $2K | 9.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P O BOX 3207 BOSTON, MA 022413207 | UNITED OF OMAHA LIFE INSURANCE COMPANY (LONG TERM DISABILITY) | $607 | $0 | $607 | 2.66% |
| BANKERS INSURANCE LLC3 | 801 MAIN STREET, SUITE 912 LYNCHBURG, VA 245041520 | UNITED OF OMAHA LIFE INSURANCE COMPANY (VOLUNTARY LONG-TERM DISABILITY | $1K | $260 | $2K | 8.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P O BOX 3207 BOSTON, MA 022413207 | UNITED OF OMAHA LIFE INSURANCE COMPANY (VOLUNTARY LONG-TERM DISABILITY | $579 | $0 | $579 | 2.94% |
| BERNARD ALAN NASH3 | 2628 WESTHAVEN PLACE LYNCHBURG, VA 24501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $655 | $24 | $679 | 5.82% |
| 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 | $334 | $0 | $334 | 2.86% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | P.O. BOX 5936 GLEN ALLEN, VA 23058 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $27 | $176 | 1.51% |
| LAURA H MILLEN3 Filed as: LAURA H. MILLEN | 8023 AINSDALE LANE CHESTERFIELD, VA 23832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $14 | $93 | 0.80% |
| STEVEN E MCNAMEE3 Filed as: STEVEN E. MCNAMEE | 9208 OAK SPRINGS CT RICHMOND, VA 23229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.42% |
| BENJAMIN POMEROY3 | 2300 OAKENGATE LANE MIDLOTHIAN, VA 23113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.27% |
| DAVID E SHELL JR3 Filed as: DAVID E. SHELL JR. | 504 RAINBOW DRIVE STAUNTON, VA 24401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.06% |
| ROBERT E PAGANI3 Filed as: ROBERT E. PAGANI | 10840 SUNSET HILLS DRIVE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.03% |
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 | 614 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 618 | 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) | 852 | $221K |
| Short-term disability(5 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY (LIFE & AD&D) | 852 | $331K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY (LONG TERM DISABILITY) | 161 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 852 | — |
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.