| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL G OHM3 Filed as: MICHAEL OHM | 7556 CROSS GATE LN ALEXANDRIA, VA 22315 | AFLAC | $25K | $602 | $26K | 4.52% |
| INDEPENDENT BENEFIT SERVICES3 Filed as: INDEPENDENT BENEFIT SERVICES INC | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 20855 | AFLAC | $17K | — | $17K | 2.95% |
| IRUM LE3 | 43388 NOTTINGHAM SQ ASHBURN, VA 20147 | AFLAC | $12K | $617 | $12K | 2.16% |
| DAVID MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $3K | $379 | $3K | 0.61% |
| DANIEL J LONG3 Filed as: DANIEL LONG | 48 EISENTOWN DR LOVETTSVILLE, VA 20180 | AFLAC | $3K | — | $3K | 0.60% |
| GARY GREENE3 | 1609 W ARLINTON BLVD SUITE 102 GREENVILLE, NC 27858 | AFLAC | $3K | $379 | $3K | 0.55% |
| JAMES D EDMONDS3 Filed as: JAMES EDMONDS | 788 BLACK SWEEP RD WARRENTON, VA 20186 | AFLAC | $3K | $4 | $3K | 0.53% |
| JERRY A CALLAHAN3 Filed as: JERRY CALLAHAN | 2750 WHISPER CT DOUGLASVILLE, GA 30135 | AFLAC | $3K | — | $3K | 0.47% |
| DENISE F BEAMAN3 Filed as: DENISE BEAMAN | 2 EDITH DRIVE JACKSONVILLE, NC 28540 | AFLAC | $2K | — | $2K | 0.43% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $2K | $267 | $2K | 0.42% |
| JENNIFER VANROEKEL3 | 3206 IRONBOUND RD STE E WILLIAMSBURG, VA 23188 | AFLAC | $2K | $145 | $2K | 0.39% |
| JASON VAN LE3 Filed as: JASON LE | 43388 NOTTINGHAM SQ ASHBURN, VA 20147 | AFLAC | $2K | $38 | $2K | 0.38% |
| ROBERT A ANDERSON3 Filed as: ROBERT ANDERSON | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $1K | — | $1K | 0.24% |
| TODD SYKES3 | 1274 SILKY WILLOW DR WAKE FOREST, NC 27587 | AFLAC | $1K | — | $1K | 0.23% |
| ROBERT POTTER3 | 445 CANYON DR MESQUITE, NV 89027 | AFLAC | $1K | — | $1K | 0.21% |
| AIMEE STATON HARDY3 Filed as: AIMEE HARDY | 120 HUNTINGTON HILLS LANE FREDERICKSBURG, VA 22401 | AFLAC | $1K | — | $1K | 0.18% |
| DAVID EMERSON3 | 4820 LAKE BROOK DR STE 125 GLEN ALLEN, VA 23060 | AFLAC | $966 | — | $966 | 0.17% |
| BRUCE ULIZIO3 | 10 RED CEDAR CIR STAFFORD, VA 22554 | AFLAC | $899 | — | $899 | 0.16% |
| NEIL M MORGAN JR3 Filed as: NEIL MORGAN JR | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $869 | — | $869 | 0.15% |
| KEVIN W KREPINEVICH3 Filed as: KEVIN KREPINEVICH | 3440 LEHIGH ST PMB 102 ALLENTOWN, PA 18103 | AFLAC | $672 | — | $672 | 0.12% |
| DEBRA GEOFFRION3 | 11611 KENWOOD TERRACE FAIRFAX, VA 22030 | AFLAC | $604 | — | $604 | 0.11% |
| STEPHEN BEAMAN3 | 1401 KIMBERLY RD NEW BERN, NC 28562 | AFLAC | $592 | — | $592 | 0.10% |
| RUEANN EMERSON3 | 4820 LAKE BROOK DR STE 125 GLEN ALLEN, VA 23060 | AFLAC | $488 | — | $488 | 0.08% |
| LANCE CHRISTMAS3 | 6402 MEDALLION DR FREDERICKSBURG, VA 22407 | AFLAC | $467 | — | $467 | 0.08% |
| KEITH SAULS3 | 36210 SANDERLING DR SELBYVILLE, DE 19975 | AFLAC | $406 | — | $406 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LEORA BROWN | 7865 FLAGER CIRCLE MANASSAS, VA 20109 | AFLAC | $239 | — | $239 | 0.04% |
| PAMELA BYERS3 | 10513 WINGED ELM CIRCLE MANASSAS, VA 20110 | AFLAC | $165 | $62 | $227 | 0.04% |
| MICHAEL FATHERREE3 | 11876 MOORHEN CIR FORT WORTH, TX 76244 | AFLAC | $193 | — | $193 | 0.03% |
| LARRY BUTTRAM3 | 9185 MATTHEW DRIVE MANASSAS PARK, VA 20111 | AFLAC | $129 | — | $129 | 0.02% |
| RONALD E ROSE3 Filed as: RONALD ROSE | 1200 PICKETT CIR FREDERICKSBURG, VA 22401 | AFLAC | $128 | — | $128 | 0.02% |
| JENNIFER HAWES3 | 231 GAYWOOD RD BALTIMORE, MD 21212 | AFLAC | $118 | — | $118 | 0.02% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $117 | — | $117 | 0.02% |
| JHENNY MICHALEK3 | 9410 WASHINGTON AVE MANASSAS, VA 20110 | AFLAC | $71 | $10 | $81 | 0.01% |
| RICHARD MOSELEY JR3 | 10206 N HAMPTON LANE FREDERICKSBURG, VA 22408 | AFLAC | $66 | — | $66 | 0.01% |
| SHEILA OLEM3 | 500 BOWERS LANE HERNDON, VA 20170 | AFLAC | $58 | — | $58 | 0.01% |
| KATHRYN ANDERSON3 | 5825 PLANK ROAD SUITE 113 PHB 201 FREDERICKSBURG, VA 22407 | AFLAC | $45 | — | $45 | 0.01% |
| RYAN DREBING3 | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $25 | — | $25 | 0.00% |
| WILEY RALPH TYNDALL3 Filed as: WILEY TYNDALL | 3632 HWY 55 W KINSTON, NC 28504 | AFLAC | $18 | — | $18 | 0.00% |
| DOUGLAS MISCH3 | 7381 CEDON RD WOODFORD, VA 22580 | AFLAC | $4 | — | $4 | 0.00% |
| BETTY BUTLER3 | 5101 HAWFIELDS CROSSING LANE MEBANE, NC 27302 | AFLAC | $3 | — | $3 | 0.00% |
| ERIC FELDER3 | 4924 WYNN LN APT 204 MIDLOTHIAN, VA 23112 | AFLAC | $2 | — | $2 | 0.00% |
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 | 877 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 877 | $575K |
| Life insurance | AFLAC | 877 | $575K |
| Short-term disability | AFLAC | 877 | $575K |
| Other | AFLAC | 877 | $575K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 877 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.