| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF VIRGINIA INC. | $32K | — | $32K | 1.59% |
| MCGRIFF INSURANCE SERVICES INC3 | 543 S EVANS ST GREENVILLE, NC 27858 | ANTHEM LIFE INSURANCE COMPANY | $13K | — | $13K | 10.19% |
| BB&T INSURANCE SERVICES, INC.3 | 2108 W. LABURNUM AVENUE STE 310 RICHMOND, VA 23227 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $5K | — | $5K | 4.17% |
| JULIE THOMPSON PRIOR3 | 3460 BROOKLAND MANOR DRIVE POWHATAN, VA 23139 | AFLAC | $1K | — | $1K | 4.42% |
| RONALD PRIOR JR3 Filed as: RONALD K PRIOR JR. | 725 SWAN VIEW DRIVE URBANNA, VA 23175 | AFLAC | $330 | — | $330 | 1.38% |
| LINDA E BARTON3 Filed as: LINDA E. BARTON | 8322 BEN NEVIS DR NORTH CHESTERFIELD, VA 23235 | AFLAC | $166 | $77 | $243 | 1.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS H THOMPSON | 13618 LANGFORD DR MIDLOTHIAN, VA 23113 | AFLAC | $197 | — | $197 | 0.82% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $166 | — | $166 | 0.70% |
| PHYLLIS DAWN HESLEP3 | 4805 LAKE BROOK DR GLEN ALLEN, VA 23060 | AFLAC | $87 | — | $87 | 0.36% |
| ROBERT A ROBERTSON3 | 12791 BUTLERS RD AMELIA COURT HOUSE, VA 23002 | AFLAC | $74 | — | $74 | 0.31% |
| KATHRYN ANDERSON3 Filed as: KATHRYN A. ANDERSON | 5825 PLAN ROAD SUITE 113 PHB 201 FREDERICKSBURG, VA 22407 | AFLAC | $71 | — | $71 | 0.30% |
| ROY D MUNSTER3 | 8332 CHARING LANE GLEN ALLEN, VA 23059 | AFLAC | $67 | — | $67 | 0.28% |
| MELANIE B MUNSTER3 | 8332 CHARING LANE GLEN ALLEN, VA 23059 | AFLAC | $56 | — | $56 | 0.23% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $53 | — | $53 | 0.22% |
| RUEANN M EMERSON3 Filed as: RUEANN M. EMERSON | 1017 ASHES DR STE 106 WILMINGTON, NC 28405 | AFLAC | $36 | $15 | $51 | 0.21% |
| JOHNNA STEWART3 | 2106 TURTLE RUN DR HENRICO, VA 23233 | AFLAC | $31 | $15 | $46 | 0.19% |
| JOHNNA STEWART3 | 3401 BAYMEADOWS WAY APT 318 HENRICO, VA 23233 | AFLAC | $39 | — | $39 | 0.16% |
| THOMAS E HATCHER JR3 | 1588 BAYTREE DRIVE HARRELLS, NC 28444 | AFLAC | $30 | — | $30 | 0.13% |
| BENJAMIN O THOMPSON SR3 | 2012 GAMELAW COURT MIDLOTHIAN, VA 23113 | AFLAC | $25 | — | $25 | 0.10% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 9954 MAYLAND DRIVE STE 2200 RICHMOND, VA 23233 | AFLAC | $25 | — | $25 | 0.10% |
| LEANN POTTER3 | 445 CANYON DRIVE MESQUITE, NV 89027 | AFLAC | $18 | — | $18 | 0.08% |
| KATHRYN ANDERSON3 Filed as: KATHRYN A ANDERSON | 6706 FARMSTEAD LN FREDERICKSBURG, VA 22407 | AFLAC | $16 | — | $16 | 0.07% |
| THE HORTON GROUP3 Filed as: KATHIE HORTON NAYLOR | 12259 FRAMAR DRIVE MIDLOTHIAN, VA 23113 | AFLAC | $14 | — | $14 | 0.06% |
| GREGORY D HILL3 Filed as: GREGORY D. HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $14 | — | $14 | 0.06% |
| ELIZABETH ANNE BUCHANAN0 Filed as: ELIZABETH ANNE BUCKANAN | 3401 HUNTON RIDGE DR GLEN ALLEN, VA 23059 | AFLAC | $14 | — | $14 | 0.06% |
| DUANE A ADAMS3 Filed as: DUANE A. ADAMS | 11520 NUCKOLS RD. STE 103 GLEN ALLEN, VA 23059 | AFLAC | $11 | — | $11 | 0.05% |
| RICHARD J KRESINSKE3 Filed as: RICHARD J. KRESINSKE | 4004 ATLANTIC AVE. APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $10 | — | $10 | 0.04% |
| LANCE CHRISTMAS3 | 6402 MEDALLION DR. FREDERICKSBURG, VA 22407 | AFLAC | $9 | — | $9 | 0.04% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $7 | — | $7 | 0.03% |
| MARY LEE NICHOLS3 | 317 S 4TH ST #276 LA CROSSE, WI 54601 | AFLAC | $5 | — | $5 | 0.02% |
| RITA W TRENT3 Filed as: RITA W KANE | 41 SHORT VIEW LN REEDVILLE, VA 22539 | AFLAC | $4 | — | $4 | 0.02% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $4 | — | $4 | 0.02% |
| 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 | 762 CHAPEL RIDGE DR PITTSBORO, NC 27312 | AFLAC | $3 | — | $3 | 0.01% |
| BRUCE ULIZIO3 | 10 RED CEDAR CIR STAFFORD, VA 22554 | AFLAC | $3 | — | $3 | 0.01% |
| RITA W TRENT3 | 41 SHORT VIEW LN REEDVILLE, VA 22539 | 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 | PO BOX 1264 POQUOSON, VA 23662 | AFLAC | $2 | — | $2 | 0.01% |
| CHRISTOPHER PARSONS3 | 193 BEACH RD POQUOSIN, VA 23662 | AFLAC | $1 | — | $1 | 0.00% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD RD STE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $1 | — | $1 | 0.00% |
| NORMAN E ALLEN JR3 Filed as: NORMAN E. ALLEN JR. | 1 PARK WEST CIRCLE SUITE 306F MIDLOTHIAN, VA 23114 | TRANSAMERICA | $562 | — | $562 | 2.40% |
| 1752 FINANCIAL SOLUTIONS INC.3 | 7100 FOREST AVE STE 101 RICHMOND, VA 23226 | TRANSAMERICA | $374 | — | $374 | 1.60% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 17370 RICHMOND, VA 23226 | HARTFORD LIFE AND ACCIDENT | $113 | $15 | $128 | 17.07% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 376 | $2.0M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 181 | $115K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 191 | $125K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 191 | $125K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 191 | $125K |
| Other(5 contracts, 5 carriers) | ANTHEM LIFE INSURANCE COMPANY | 215 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.