| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON | PO BOX 10489 LYNCHBURG, VA 24506 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $7K | — | $7K | 6.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 12882 COLLECTION CENTER DR CHICAGO, IL 60693 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.98% |
| LINDA E BARTON3 | 8322 BEN NEVIS DR NORTH CHESTERFIELD, VA 23235 | AFLAC | $6K | $469 | $7K | 10.20% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | AFLAC | $2K | — | $2K | 3.51% |
| SHANE ANDY KINNER3 Filed as: SHANE KINNER | 10129 ASHLEY MANOR LN MECHANICSVILLE, VA 23116 | AFLAC | $1K | $94 | $1K | 2.07% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS HESLEP | 4805 LAKE BROOK DR GLEN ALLEN, VA 23060 | AFLAC | $807 | $61 | $868 | 1.33% |
| RUEANN EMERSON3 | 11551 NUCKOLS RD, STE P GLEN ALLEN, VA 23059 | AFLAC | $773 | $33 | $806 | 1.23% |
| ELIZABETH ANNE BUCHANAN3 Filed as: ELIZABETH BUCHANAN | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $752 | — | $752 | 1.15% |
| SALLY BASS PHILLIPS3 | PO BOX 1618 MECHANICSVILLE, VA 23116 | AFLAC | $513 | — | $513 | 0.79% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $305 | — | $305 | 0.47% |
| SCOTT DAVIS3 Filed as: SCOTT K DAVIS | 2608 ADAMO CT RICHMOND, VA 23233 | AFLAC | $196 | — | $196 | 0.30% |
| RICHARD KIDD3 | 5523 WINTERCREEK DR GLEN ALLEN, VA 23060 | AFLAC | $95 | — | $95 | 0.15% |
| JAMES A ROSSMAN3 Filed as: JAMES ESSA | 12513 COLLINSTONE CT GLEN ALLEN, VA 23059 | AFLAC | $42 | — | $42 | 0.06% |
| JOHNNA STEWART3 | 2106 TURTLE RUN DR HENRICO, VA 23233 | AFLAC | $34 | — | $34 | 0.05% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD, STE 103 GLEN ALLEN, VA 23059 | AFLAC | $20 | $7 | $27 | 0.04% |
| JENNIFER TENCH3 Filed as: JENNIFER ERWIN | 1902 DORRELL RD AYLETT, VA 23009 | AFLAC | $13 | — | $13 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $7 | $3 | $10 | 0.02% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVE, APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $9 | — | $9 | 0.01% |
| KERSTIN E COLEMAN3 | 2527 PINE TREE LN ROCKY MOUNT, NC 27804 | AFLAC | $6 | — | $6 | 0.01% |
| GENIA ANNE TENCH3 Filed as: GENIA TENCH | 804 MOOREFIELD PARK DR, STE 205 RICHMOND, VA 23236 | AFLAC | $6 | — | $6 | 0.01% |
| MELANIE B MUNSTER3 | 8332 CHARING LANE GLEN ALLEN, VA 23059 | AFLAC | $5 | — | $5 | 0.01% |
| RUSSELL TINNEY3 | 11520 NUCKOLA RD, STE 103 GLEN ALLEN, VA 23059 | AFLAC | $2 | $3 | $5 | 0.01% |
| ROY D MUNSTER3 | PO BOX 5634 GLEN ALLEN, VA 23058 | AFLAC | $3 | — | $3 | 0.00% |
| LANC C PITTMAN3 | 125 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $3 | — | $3 | 0.00% |
| AMY E WRIGHT3 | 7709 HEATHFIELD DR RALEIGH, NC 27615 | AFLAC | $3 | — | $3 | 0.00% |
| CATHERINE DOWDEN3 | 5 DALLHAN CT STAFFORD, VA 22554 | AFLAC | $3 | — | $3 | 0.00% |
| GARY W GREENE3 | 1609 W ARLINGTON BLVD, SUITE 102 GREENVILLE, NC 27858 | AFLAC | $3 | — | $3 | 0.00% |
| FELICIA BAKER3 | 804 MOOREFIELD PARK DR, STE 205 RICHMOND, VA 23236 | AFLAC | $2 | — | $2 | 0.00% |
| FLOYD E JONES III3 Filed as: FLOYD JONES | 7403 SOMOA DR HENRICO, VA 23228 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SONS | 1700 BAYBERRY CT RICHMOND, VA 23226 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 6.27% |
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 | 502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 521 | $192K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 578 | $22K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 573 | $104K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 573 | $104K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 573 | $104K |
| Other(3 contracts, 3 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 573 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.