| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL G OHM3 Filed as: MICHAEL OHM | 7556 CROSS GATE LN ALEXANDRIA, VA 22315 | AFLAC | $22K | $1K | $24K | 4.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 15800 CRABBS BRANCH WAY STC 350 ROCKVILLE, MD 20855 | AFLAC | $16K | — | $16K | 2.67% |
| IRUM LE3 | 43388 NOTTINGHAM SQ ASHBURN, VA 20147 | AFLAC | $11K | $591 | $12K | 2.07% |
| DAVID MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $3K | — | $3K | 0.47% |
| JERRY A CALLAHAN3 Filed as: JERRY CALLAHAN | 2750 WHISPER CT DOUGLASVILLE, GA 30135 | AFLAC | $3K | — | $3K | 0.43% |
| CYNTHIA MYER3 | 555 HARBOR SIDE ST WOODBRIDGE, VA 22191 | AFLAC | $2K | — | $2K | 0.41% |
| GARY GREENE3 | 1609 W ARLINTON BLVD SUITE 102 GREENVILLE, NC 27858 | AFLAC | $2K | — | $2K | 0.41% |
| DENISE F BEAMAN3 Filed as: DENISE BEAMAN | 2 EDITH DRIVE JACKSONVILLE, NC 28540 | AFLAC | $2K | — | $2K | 0.39% |
| JASON VAN LE3 Filed as: JASON LE | 43388 NOTTINGHAM SQ ASHBURN, VA 20147 | AFLAC | $2K | — | $2K | 0.39% |
| JAMES D EDMONDS3 Filed as: JAMES EDMONDS | 788 BLACK SWEEP RD WARRENTON, VA 20186 | AFLAC | $2K | $342 | $2K | 0.35% |
| DANIEL J LONG3 Filed as: DANIEL LONG | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $1K | $503 | $2K | 0.31% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $2K | — | $2K | 0.30% |
| DOUGLAS MISCH3 | 15700 SAINT PETERS CHURCH RD MONTPELIER, VA 23192 | AFLAC | $1K | — | $1K | 0.22% |
| JENNIFER VANROEKEL3 | 37A BERNARD RD HAMPTON, VA 23651 | AFLAC | $1K | $102 | $1K | 0.22% |
| TODD SYKES3 | 1274 SILKY WILLOW DR WAKE FOREST, NC 27587 | AFLAC | $1K | — | $1K | 0.21% |
| ROBERT A ANDERSON3 Filed as: ROBERT ANDERSON | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $1K | — | $1K | 0.21% |
| ROBERT POTTER3 | 445 CANYON DR MESQUITE, NV 89027 | AFLAC | $1K | — | $1K | 0.18% |
| AIMEE STATON HARDY3 Filed as: AIMEE HARDY | 120 HUNTINGTON HILLS LANE FREDERICKSBURG, VA 22401 | AFLAC | $951 | — | $951 | 0.16% |
| DAVID EMERSON3 | 4820 LAKE BROOK DR STE 125 GLEN ALLEN, VA 23060 | AFLAC | $912 | — | $912 | 0.16% |
| BRUCE ULIZIO3 | 10 RED CEDAR CIR STAFFORD, VA 22554 | AFLAC | $840 | — | $840 | 0.14% |
| NEIL M MORGAN JR3 Filed as: NEIL MORGAN JR | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $804 | — | $804 | 0.14% |
| KEVIN W KREPINEVICH3 Filed as: KEVIN KREPINEVICH | 3440 LEHIGH ST PMB 102 ALLENTOWN, PA 18103 | AFLAC | $610 | — | $610 | 0.10% |
| STEPHEN BEAMAN3 | 1401 KIMBERLY RD NEW BERN, NC 28562 | AFLAC | $568 | — | $568 | 0.10% |
| DEBRA GEOFFRION3 | 11611 KENWOOD TERRACE FAIRFAX, VA 22030 | AFLAC | $540 | — | $540 | 0.09% |
| RUEANN EMERSON3 | 11551 NUCKOLS RD STE P GLEN ALLEN, VA 23059 | AFLAC | $461 | — | $461 | 0.08% |
| LANCE CHRISTMAS3 | 6402 MEDALLION DR FREDERICKSBURG, VA 22407 | AFLAC | $436 | — | $436 | 0.07% |
| KEITH SAULS3 | 36210 SANDERLING DR SELBYVILLE, DE 19975 | AFLAC | $403 | — | $403 | 0.07% |
| ROGER CURTIS POWELL3 Filed as: ROGER POWELL | 1395 FARNHAM PT APT 208 COLORADO SPRINGS, CO 80904 | AFLAC | $244 | — | $244 | 0.04% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $238 | — | $238 | 0.04% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $169 | — | $169 | 0.03% |
| LARRY BUTTRAM3 | 9185 MATTHEW DRIVE MANASSAS PARK, VA 20111 | AFLAC | $129 | — | $129 | 0.02% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $123 | — | $123 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LEORA BROWN | 7865 FLAGER CIRCLE MANASSAS, VA 20109 | AFLAC | $105 | $17 | $122 | 0.02% |
| PAMELA BYERS3 | 10513 WINGED ELM CIRCLE MANASSAS, VA 20110 | AFLAC | $114 | — | $114 | 0.02% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $113 | — | $113 | 0.02% |
| RONALD E ROSE3 Filed as: RONALD ROSE | 1200 PICKETT CIR FREDERICKSBURG, VA 22401 | AFLAC | $112 | — | $112 | 0.02% |
| JENNIFER HAWES3 | 231 GAYWOOD RD BALTIMORE, MD 21212 | AFLAC | $102 | — | $102 | 0.02% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $93 | — | $93 | 0.02% |
| AMELIA MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $93 | — | $93 | 0.02% |
| SHEILA OLEM3 | 500 BOWERS LANE HERNDON, VA 20170 | AFLAC | $58 | — | $58 | 0.01% |
| RICHARD MOSELEY JR3 | 10206 N HAMPTON LANE FREDERICKSBURG, VA 22408 | AFLAC | $44 | — | $44 | 0.01% |
| KATHRYN ANDERSON3 | 5825 PLANK ROAD SUITE 113 PHB 201 FREDERICKSBURG, VA 22407 | AFLAC | $43 | — | $43 | 0.01% |
| JHENNY MICHALEK3 | 9410 WASHINGTON AVE MANASSAS, VA 20110 | AFLAC | $37 | — | $37 | 0.01% |
| SHEILA L RAITCH3 Filed as: SHEILA RAITCH | 5524 LIBER CT GAINESVILLE, VA 20155 | AFLAC | $36 | — | $36 | 0.01% |
| RYAN DREBING3 | 2112 N ROAN ST SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $25 | — | $25 | 0.00% |
| JEFFERY S GIBSON3 Filed as: JEFFERY GIBSON | 14301 N 87TH ST STE 313 SCOTTSDALE, AZ 85260 | AFLAC | $15 | — | $15 | 0.00% |
| JEANNETTE FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $10 | — | $10 | 0.00% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $7 | — | $7 | 0.00% |
| MARK D LUTHER3 Filed as: MARK LUTHER | 804 MOOREFIELD PARK DR STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $6 | — | $6 | 0.00% |
| LINDSEY JO MARTIN3 Filed as: LINDSEY MARTIN | 2095 COX CV CONWAY, AR 72034 | AFLAC | $4 | — | $4 | 0.00% |
| ROY CHILDRESS3 Filed as: ROY MUNSTER | P O BOX 5634 GLEN ALLEN, VA 23058 | AFLAC | $2 | — | $2 | 0.00% |
| RUSSELL TINNCY3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23058 | AFLAC | $2 | — | $2 | 0.00% |
| MARVIN S THOMPSON3 Filed as: MARVIN THOMPSON | 615 KERRI COVE CT APT 202 MIDLOTHIAN, VA 23113 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID HARLESS3 | 3412 MANOR GROVE CIRCLE GLEN ALLEN, VA 23050 | AFLAC | $1 | — | $1 | 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 | 884 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 884 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 884 | $584K |
| Life insurance | AFLAC | 884 | $584K |
| Short-term disability | AFLAC | 884 | $584K |
| Other | AFLAC | 884 | $584K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 884 | — |
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.