| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 113 S. WAYNE AVENUE WAYNESBORO, VA 22980 | ANTHEM HEALTHKEEPERS | $12K | — | $12K | 0.99% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 113 S. WAYNE AVENUE WAYNESBORO, VA 22980 | ANTHEM HEALTH PLANS OF VIRGINIA INC. | $12K | — | $12K | 1.54% |
| BB&T INSURANCE SERVICES, INC.3 | 113 S WAYNE AVENUE WAYNESBORO, VA 22980 | ANTHEM LIFE INSURANCE COMPANY | $11K | — | $11K | 10.08% |
| BB&T INSURANCE SERVICES, INC.3 | 2108 W. LABURNUM AVENUE STE 310 RICHMOND, VA 23227 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $5K | — | $5K | 4.43% |
| JULIE THOMPSON PRIOR3 | 600 FERN MEADOW LOOP APT 306 MIDLOTHIAN, VA 23114 | AFLAC | $1K | — | $1K | 4.49% |
| LINDA E BARTON3 Filed as: LINDA E. BARTON | 8322 BEN NEVIS DR NORTH CHESTERFIELD, VA 23235 | AFLAC | $620 | — | $620 | 2.43% |
| RONALD PRIOR JR3 Filed as: RONALD K PRIOR JR. | 600 FERN MEADOW LOOP APT 306 MIDLOTHIAN, VA 23114 | AFLAC | $398 | — | $398 | 1.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS H THOMPSON | 1911 OAKENGATE LANE MIDLOTHIAN, VA 23113 | AFLAC | $221 | — | $221 | 0.87% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $219 | — | $219 | 0.86% |
| JOHNNA STEWART3 | 2106 TURTLE RUN DRIVE HENRICO, VI 23233 | AFLAC | $141 | — | $141 | 0.55% |
| PHYLLIS DAWN HESLEP3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $105 | — | $105 | 0.41% |
| RUEANN M EMERSON3 Filed as: RUEANN M. EMERSON | 11551 NUCKOLS RD STE P GLEN ALLEN, VA 23059 | AFLAC | $93 | — | $93 | 0.36% |
| KATHRYN ANDERSON3 Filed as: KATHRYN A. ANDERSON | 5825 PLAN ROAD SUITE 113 PHB 201 FREDERICKSBURG, VA 22407 | AFLAC | $80 | — | $80 | 0.31% |
| ROBERT A ROBERTSON3 | 12791 BUTLERS RD AMELIA, VA 23002 | AFLAC | $79 | — | $79 | 0.31% |
| ROY D MUNSTER3 | P O BOX 5634 GLEN ALLEN, VA 23058 | AFLAC | $71 | — | $71 | 0.28% |
| DAVID N MORGAN3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $63 | — | $63 | 0.25% |
| MELANIE B MUNSTER3 | 8332 CHARING LANE GLEN ALLEN, VA 23059 | AFLAC | $61 | — | $61 | 0.24% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL SR | 9701 GAYTON ROAD STE 6 RICHMOND, VA 23238 | AFLAC | $35 | — | $35 | 0.14% |
| THOMAS E HATCHER JR3 | 717 GREEN VALLEY RD STE 200 GREENSBORO, NC 27408 | AFLAC | $32 | — | $32 | 0.13% |
| BENJAMIN O THOMPSON SR3 | 2012 GAMELAW COURT MIDLOTHIAN, VA 23113 | AFLAC | $28 | — | $28 | 0.11% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 9954 MAYLAND DRIVE STE 2200 SUITE 2200 RICHMOND, VA 23233 | AFLAC | $27 | — | $27 | 0.11% |
| LEANN POTTER3 | 445 CANYON DRIVE MESQUITE, NV 89027 | AFLAC | $17 | — | $17 | 0.07% |
| THE HORTON GROUP3 Filed as: KATHIE HORTON NAYLOR | 12259 FRAMAR DRIVE MIDLOTHIAN, VA 23113 | AFLAC | $14 | — | $14 | 0.05% |
| GREGORY D HILL3 Filed as: GREGORY D. HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $10 | — | $10 | 0.04% |
| DUANE A ADAMS3 Filed as: DUANE A. ADAMS | 11520 NUCKOLS RD. STE 103 GLEN ALLEN, VA 23059 | AFLAC | $9 | — | $9 | 0.04% |
| LANCE CHRISTMAS3 | 6402 MEDALLION DR. FREDERICKSBURG, VA 22407 | AFLAC | $8 | — | $8 | 0.03% |
| RICHARD J KRESINSKE3 Filed as: RICHARD J. KRESINSKE | 4004 ATLANTIC AVE. APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $8 | — | $8 | 0.03% |
| RITA W TRENT3 Filed as: RITA W KANE | 41 SHORT VIEW LN REEDVILLE, VA 22539 | AFLAC | $7 | — | $7 | 0.03% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $5 | — | $5 | 0.02% |
| RONALD E KIRKLAND3 | 4 SOTHEBY PL SE GURLEY, AL 35748 | AFLAC | $4 | — | $4 | 0.02% |
| MARY LEE NICHOLS3 | 3577 A CHAMBLEE TUCKER RD #304 ATLANTA, GA 30341 | AFLAC | $4 | — | $4 | 0.02% |
| BRUCE ULIZIO3 | 10 RED CEDAR CIR STAFFORD, VA 22554 | AFLAC | $3 | — | $3 | 0.01% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL R MARTIN3 Filed as: MICHAEL R. MARTIN | 6265 SMOKEY RIDGE RD ROANOKE, VA 24018 | AFLAC | $3 | — | $3 | 0.01% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $2 | — | $2 | 0.01% |
| WAYNE HARDISON3 | 6824 BUCK LANE FREDERICKSBURG, VA 22407 | AFLAC | $2 | — | $2 | 0.01% |
| SABRINA ANN PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $2 | — | $2 | 0.01% |
| NORMAN E ALLEN JR3 Filed as: NORMAN E. ALLEN JR. | 1 PARK WEST CIRCLE SUITE 306F MIDLOTHIAN, VA 23114 | TRANSAMERICA | $3K | — | $3K | 13.57% |
| 1752 FINANCIAL SOLUTIONS INC.3 | 7100 FOREST AVE STE 101 RICHMOND, VA 23226 | TRANSAMERICA | $2K | — | $2K | 9.04% |
| BENEFIT ALTERNATIVE INCORPORATED3 | 4860 COX ROAD STE 200 GLEN ALLEN, VA 23060 | TRANSAMERICA | $142 | — | $142 | 0.69% |
| THE MEDICAL SOCIETY OF VA3 Filed as: MEDICAL SOCIETY OF VIRGINIA | 2924 EMERYWOOD PKWY STE 200 RICHMOND, VA 23294 | TRANSAMERICA | $94 | — | $94 | 0.46% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | P O BOX 17370 RICHMOND, VA 23226 | HARTFORD LIFE AND ACCIDENT | $112 | $15 | $127 | 16.93% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTHKEEPERS | 233 | $2.0M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 189 | $104K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTHKEEPERS | 233 | $2.0M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 196 | $114K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 196 | $114K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 196 | $114K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM HEALTHKEEPERS | 233 | $2.0M |
| Other(6 contracts, 6 carriers) | ANTHEM HEALTHKEEPERS | 233 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.