| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $32K | $713 | $33K | 7.07% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $756 | $5K | 11.80% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $193 | $2K | 16.86% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $699 | $134 | $833 | 11.92% |
| MICHELE T PAYNE3 | 555 BELSCHES RD BUMPASS, VA 23024 | AFLAC | $316 | $0 | $316 | 5.34% |
| JESSICA M GAINES3 | 10809 KING WILLIAM RD APT 4A AYLETT, VA 23009 | AFLAC | $127 | $0 | $127 | 2.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST STE 200 GREENSBORO, NC 27455 | AFLAC | $113 | $0 | $113 | 1.91% |
| REBECCA F SMITH3 | 5040 SADLER PL 110 GLEN ALLEN, VA 23060 | AFLAC | $94 | $0 | $94 | 1.59% |
| JOSHUA C BURTON3 | 4198 COX RD STE 113 GLEN ALLEN, VA 23060 | AFLAC | $88 | $0 | $88 | 1.49% |
| LINDA M MORGAN3 | 7322 WYTHEVILLE CIR FREDERICKSBURG, VA 22407 | AFLAC | $45 | $0 | $45 | 0.76% |
| NICHOLAS WAGNER3 | 1508 BACK COVE RD VIRGINIA BEACH, VA 23454 | AFLAC | $23 | $0 | $23 | 0.39% |
| KERSTIN E COLEMAN3 | 47 QUEENS WAY STE G HAMPTON, VA 23669 | AFLAC | $22 | $0 | $22 | 0.37% |
| GENIA ANNE TENCH3 | 542 KING WILLIAM RD HANOVER, VA 23069 | AFLAC | $19 | $0 | $19 | 0.32% |
| PHYLLIS DAWN HESLEP3 | 301 HARBOUR DR UNIT 1202 TAMPA, FL 33602 | AFLAC | $17 | $0 | $17 | 0.29% |
| WALLACE S BRADY3 | 3701 ASHBROOK DR NW APT 1006 WILSON, NC 27896 | AFLAC | $16 | $0 | $16 | 0.27% |
| MICHAEL J OLIVER JR3 | 595 TIRZAH DR LILLINGTON, NC 27546 | AFLAC | $16 | $0 | $16 | 0.27% |
| BRUCE ULIZIO3 | 10 RED CEDAR CIR STAFFORD, VA 22554 | AFLAC | $15 | $0 | $15 | 0.25% |
| LARRY D GROVES3 | 309 COLERIDGE DR DUNN, NC 28334 | AFLAC | $15 | $0 | $15 | 0.25% |
| DAVID N MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $10 | $0 | $10 | 0.17% |
| CYNTHIA MYER3 | 1584 RIDGE RD DURANGO, CO 81303 | AFLAC | $9 | $0 | $9 | 0.15% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $7 | $0 | $7 | 0.12% |
| LORI A MCCOY3 | 5075 DICKERSON RD PARTLOW, VA 22534 | AFLAC | $5 | $0 | $5 | 0.08% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $3 | $0 | $3 | 0.05% |
| SHEILA L RAITCH3 | 5524 LIBER CT GAINESVILLE, VA 20155 | AFLAC | $3 | $0 | $3 | 0.05% |
| DANIEL J LONG3 | 6100 CHEVY CHASE DR STE 102 LAUREL, MD 20707 | AFLAC | $3 | $0 | $3 | 0.05% |
| JEFFERY S GIBSON3 Filed as: JEFFERY SCOTT GIBSON | 4030 TATES CREEK RD APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $3 | $0 | $3 | 0.05% |
| DALE SHADDOCK3 | 8927 MAYFLOWER RD ROSEDALE, MD 21237 | AFLAC | $2 | $0 | $2 | 0.03% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $2 | $0 | $2 | 0.03% |
| ERIKA J SHADDOCK3 | 3224 SUMMIT AVE PARKVILLE, MD 21234 | AFLAC | $1 | $0 | $1 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $1 | $0 | $1 | 0.02% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, VA 28314 | AFLAC | $1 | $0 | $1 | 0.02% |
| MATTHEW W EVANS3 | 8370 VETERANS HWY STE 101 MILLERSVILLE, MD 21108 | AFLAC | $1 | $0 | $1 | 0.02% |
| LORI A MCCOY3 | 5075 DICKERSON RD PARTLOW, VA 22534 | AFLAC | $56 | $0 | $56 | 2.22% |
| KERSTIN E COLEMAN3 | 47 QUEENS WAY SUITE G HAMPTON, VA 23669 | AFLAC | $54 | $0 | $54 | 2.14% |
| HEATHER LAWSON3 | 133 RONICA LN PACOLET, SC 29372 | AFLAC | $34 | $0 | $34 | 1.35% |
| LINDA M MORGAN3 | 7322 WYTHEVILLE CIR FREDERICKSBURG, VA 22407 | AFLAC | $19 | $0 | $19 | 0.75% |
| DANIEL J LONG3 | 6100 CHEVY CHASE DR SUITE 102 LAUREL, MD 20707 | AFLAC | $17 | $0 | $17 | 0.68% |
| MICHAEL J OLIVER JR3 | 595 TIRZAH DR LILLINGTON, NC 27546 | AFLAC | $13 | $0 | $13 | 0.52% |
| LARRY D GROVES3 | 309 COLERIDGE DR DUNN, NC 28334 | AFLAC | $12 | $0 | $12 | 0.48% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $12 | $0 | $12 | 0.48% |
| WALLACE S BRADY3 | 3701 ASHBROOK DR NW APT 1006 WILSON, NC 27896 | AFLAC | $7 | $0 | $7 | 0.28% |
| JUSTIN M GUIDI3 | 2155 W PINNACLE PEAK RD SUITE 205 PHOENIX, AZ 85027 | AFLAC | $6 | $0 | $6 | 0.24% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $6 | $0 | $6 | 0.24% |
| PHYLLIS DAWN HESLEP3 | 301 HARBOUR PLACE DR UNIT 1202 TAMPA, FL 33602 | AFLAC | $5 | $0 | $5 | 0.20% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $2 | $0 | $2 | 0.08% |
| 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 | $119 | $14 | $133 | 16.81% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 264 | $463K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 264 | $463K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 264 | $463K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $18K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $42K |
| Other(5 contracts, 3 carriers) | HEALTHKEEPERS, INC. | 193 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.