| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST ST 200 GREENSBORO, NC 27455 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $31K | $928 | $32K | 8.69% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 S JEFFERSON ST. ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $850 | $1K | $2K | 5.35% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $971 | $0 | $971 | 11.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 S JEFFERSON ST ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $350 | $280 | $630 | 7.15% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $474 | $0 | $474 | 7.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 S JEFFERSON ST ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $155 | $186 | $341 | 5.43% |
| REBECCA F SMITH3 | 5040 SADLER PL STE 110 GLEN ALLEN, VA 23060 | AFLAC | $57 | $0 | $57 | 1.61% |
| LINDA M MORGAN3 | 7322 WYTHEVILLE CIR FREDERICKSBURG, VA 22407 | AFLAC | $56 | $0 | $56 | 1.58% |
| WALLACE S BRADY3 | 3701 ASHBROOK DR NW APT 1006 WILSON, NC 27896 | AFLAC | $30 | $0 | $30 | 0.85% |
| DALE SHADDOCK3 | 8927 MAYFLOWER RD ROSEDALE, MD 21237 | AFLAC | $28 | $0 | $28 | 0.79% |
| KERSTIN E COLEMAN3 | 47 QUEENS WAY SUITE G HAMPTON, VA 23669 | AFLAC | $22 | $0 | $22 | 0.62% |
| MICHAEL J OLIVER JR3 | 10 D ANGO CIR ANGIER, NC 27501 | AFLAC | $16 | $0 | $16 | 0.45% |
| GENIA ANNE TENCH3 | 10318 NEW BRITTON RD MECHANICSVILLE, VA 23116 | AFLAC | $16 | $0 | $16 | 0.45% |
| LARRY D GROVES3 | 309 COLERIDGE DR DUNN, NC 28334 | AFLAC | $15 | $0 | $15 | 0.42% |
| BRUCE ULIZIO3 | 10 RED CEDAR CIR STAFFORD, VA 22554 | AFLAC | $15 | $0 | $15 | 0.42% |
| NICHOLAS WAGNER3 | 1508 BACK COVE RD VIRGINIA BEACH, VA 23454 | AFLAC | $14 | $0 | $14 | 0.40% |
| PHYLLIS DAWN HESLEP3 | 3815 BARNYARD TRL GLEN ALLEN, VA 23060 | AFLAC | $13 | $0 | $13 | 0.37% |
| CYNTHIA MYER3 | 1584 RIDGE RD DURANGO, CO 81303 | AFLAC | $11 | $0 | $11 | 0.31% |
| ERIKA J SHADDOCK3 | 3224 SUMMIT AVE PARKVILLE, MD 21234 | AFLAC | $11 | $0 | $11 | 0.31% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $7 | $0 | $7 | 0.20% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $7 | $0 | $7 | 0.20% |
| HEATHER LAWSON3 | 133 RONICA LN PACOLET, SC 29372 | AFLAC | $6 | $0 | $6 | 0.17% |
| MATTHEW W EVANS3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $6 | $0 | $6 | 0.17% |
| LORI A MCCOY3 | 5075 DICKERSON RD PARTLOW, VA 22534 | AFLAC | $5 | $0 | $5 | 0.14% |
| DANIEL J LONG3 | 6100 CHEVY CHASE DR SUITE 102 LAUREL, MD 20707 | AFLAC | $3 | $0 | $3 | 0.08% |
| SHEILA L RAITCH3 | 5524 LIBER CT GAINESVILLE, VA 20155 | AFLAC | $2 | $0 | $2 | 0.06% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $2 | $0 | $2 | 0.06% |
| JEFFERY S GIBSON3 Filed as: JEFFERY SCOTT GIBSON | 200 W ELM ST STE 1225 CONSHOHOCKEN, PA 19428 | AFLAC | $2 | $0 | $2 | 0.06% |
| JUSTIN M GUIDI3 | 301 ROPER CREEK DR GREENVILLE, SC 29615 | AFLAC | $1 | $0 | $1 | 0.03% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $1 | $0 | $1 | 0.03% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $1 | $0 | $1 | 0.03% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, VA 28314 | AFLAC | $1 | $0 | $1 | 0.03% |
| LORI A MCCOY3 | 5075 DICKERSON RD PARTLOW, VA 22534 | AFLAC | $61 | $0 | $61 | 2.22% |
| KERSTIN E COLEMAN3 | 47 QUEENS WAY SUITE G HAMPTON, VA 23669 | AFLAC | $59 | $0 | $59 | 2.15% |
| HEATHER LAWSON3 | 133 RONICA LN PACOLET, SC 29372 | AFLAC | $37 | $0 | $37 | 1.35% |
| LINDA M MORGAN3 | 7322 WYTHEVILLE CIR FREDERICKSBURG, VA 22407 | AFLAC | $21 | $0 | $21 | 0.76% |
| DANIEL J LONG3 | 6100 CHEVY CHASE DR SUITE 102 LAUREL, MD 20707 | AFLAC | $18 | $0 | $18 | 0.66% |
| MICHAEL J OLIVER JR3 | 10 D ANGO CIR ANGIER, NC 27501 | AFLAC | $14 | $0 | $14 | 0.51% |
| LARRY D GROVES3 | 309 COLERIDGE DR DUNN, NC 28334 | AFLAC | $13 | $0 | $13 | 0.47% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $13 | $0 | $13 | 0.47% |
| WALLACE S BRADY3 | 3701 ASHBROOK DR NW APT 1006 WILSON, NC 27896 | AFLAC | $11 | $0 | $11 | 0.40% |
| JUSTIN M GUIDI3 | 301 ROPER CREEK DR GREENVILLE, SC 29615 | AFLAC | $7 | $0 | $7 | 0.25% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $6 | $0 | $6 | 0.22% |
| PHYLLIS DAWN HESLEP3 | 3815 BARNYARD TRL GLEN ALLEN, VA 23060 | AFLAC | $6 | $0 | $6 | 0.22% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $3 | $0 | $3 | 0.11% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $1 | $0 | $1 | 0.04% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, VA 28314 | AFLAC | $1 | $0 | $1 | 0.04% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $1 | $0 | $1 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60 | $0 | $60 | 10.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 S JEFFERSON ST ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23 | $18 | $41 | 7.41% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 322 | $371K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 322 | $371K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 322 | $371K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $35K |
| Other(5 contracts, 3 carriers) | HEALTHKEEPERS, INC. | 240 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.