| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS (G1605) | $33K | $1K | $34K | 7.87% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.61% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $314 | $2K | 17.59% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $775 | $203 | $978 | 12.61% |
| MICHELE T PAYNE3 Filed as: MICHELE PAYNE | 555 BELSCHES RD BUMPASS, VA 23024 | AFLAC | $111 | $81 | $192 | 3.78% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $144 | $0 | $144 | 2.83% |
| REBECCA F SMITH3 | 5040 SADLER PL STE 110 GLEN ALLEN, VA 23060 | AFLAC | $86 | $0 | $86 | 1.69% |
| JOSHUA C BURTON3 | 4198 COX RD STE 113 GLEN ALLEN, VA 23060 | AFLAC | $34 | $19 | $53 | 1.04% |
| JESSICA M GAINES3 | 10909 KING WILLIAM RD APT 4 AYLETT, VA 23009 | AFLAC | $42 | $0 | $42 | 0.83% |
| LINDA M MORGAN3 | 7322 WYTHEVILLE CIR FREDERICKSBURG, VA 22407 | AFLAC | $40 | $0 | $40 | 0.79% |
| NICHOLAS WAGNER3 | 1508 BACK COVE RD VIRGINIA BEACH, VA 23454 | AFLAC | $21 | $0 | $21 | 0.41% |
| KERSTIN E COLEMAN3 | 610 THIMBLE SHOALS BLVD STE 103 NEWPORT NEWS, VA 23606 | AFLAC | $20 | $0 | $20 | 0.39% |
| GENIA ANNE TENCH3 | 10337 NEW BRITTON RD MECHANICSVILLE, VA 23116 | AFLAC | $18 | $0 | $18 | 0.35% |
| WALLACE S BRADY3 | 3701 ASHBROOK DR NW APT 1006 WILSON, NC 27896 | AFLAC | $16 | $0 | $16 | 0.31% |
| PHYLLIS DAWN HESLEP3 | 3709 S LYNWOOD AVE TAMPA, FL 33611 | AFLAC | $16 | $0 | $16 | 0.31% |
| MICHAEL J OLIVER JR3 | 595 TIRZAH DR LILLINGTON, NC 27546 | AFLAC | $15 | $0 | $15 | 0.30% |
| BRUCE ULIZIO3 | 10 RED CEDAR CIR STAFFORD, VA 22554 | AFLAC | $14 | $0 | $14 | 0.28% |
| LARRY D GROVES3 | 309 COLERIDGE DR DUNN, NC 28334 | AFLAC | $14 | $0 | $14 | 0.28% |
| DAVID N MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $9 | $0 | $9 | 0.18% |
| CYNTHIA MYER3 | 26005 COLONY DRIVE SALVO, NC 27972 | AFLAC | $8 | $0 | $8 | 0.16% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $6 | $0 | $6 | 0.12% |
| DIGITAL INSURANCE LLC3 | 9954 MAYLAND DR STE 2200 RICHMOND, VA 23233 | AFLAC | $5 | $0 | $5 | 0.10% |
| LORI A MCCOY3 | 5075 DICKERSON RD PARTLOW, VA 22534 | AFLAC | $4 | $0 | $4 | 0.08% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $3 | $0 | $3 | 0.06% |
| SHEILA L RAITCH3 Filed as: SHEILA RAITCH | 5524 LIBER CT GAINESVILL, VA 20155 | AFLAC | $3 | $0 | $3 | 0.06% |
| DANIEL J LONG3 | 6100 CHEVY CHASE DR STE 102 LAUREL, MD 20707 | AFLAC | $3 | $0 | $3 | 0.06% |
| JEFFERY S GIBSON3 Filed as: JEFFERY SCOTT GIBSON | 4030 TATES CREEK RD APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $3 | $0 | $3 | 0.06% |
| JEREMY C BOSHER3 | 4709 ECOFF AVE CHESTER, VA 23831 | AFLAC | $2 | $0 | $2 | 0.04% |
| DUAN A ADAMS3 | 493 BAILEY DR LOUISA, VA 23093 | AFLAC | $2 | $0 | $2 | 0.04% |
| 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% |
| LORI A MCCOY3 | 5075 DICKERSON RD PARTLOW, VA 22534 | AFLAC | $61 | $0 | $61 | 2.22% |
| KERSTIN E COLEMAN3 | 610 THIMBLE SHOALS BLVD SUITE 103 NEWPORT NEWS, VA 23606 | 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 | 595 TIRZAH DR LILLINGTON, NC 27546 | AFLAC | $14 | $0 | $14 | 0.51% |
| LARRY D GROVES3 | 309 COLERIDGE DR DUNN, NC 28334 | AFLAC | $13 | $0 | $13 | 0.47% |
| DAVID N MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $13 | $0 | $13 | 0.47% |
| WALLACE S BRADY3 | 3701 ASHBROOK DR NW APT 1006 WILSON, NC 27896 | AFLAC | $8 | $0 | $8 | 0.29% |
| JUSTIN M GUIDI3 | 10785 E GELDING DR SCOTTSDALE, AZ 85255 | AFLAC | $7 | $0 | $7 | 0.25% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $6 | $0 | $6 | 0.22% |
| PHYLLIS DAWN HESLEP3 | 3709 S LYNWOOD AVE TAMPA, FL 33611 | AFLAC | $6 | $0 | $6 | 0.22% |
| DUANE A ADAMS3 | 493 BAILEY DR LOUISA, VA 23093 | 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 | $166 | $22 | $188 | 16.95% |
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 | 142 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. (G1608) | 258 | $1.9M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS (G1605) | 258 | $433K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS (G1605) | 258 | $433K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $47K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.