| 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 | $694 | $23K | 3.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $18K | — | $18K | 2.95% |
| IRUM LE3 | 43388 NOTTINGHAM SQ ASHBURN, VA 20147 | AFLAC | $10K | $600 | $11K | 1.81% |
| CYNTHIA MYER3 | 2333 COUNTY ROAD 250 DURANGO, CO 81301 | AFLAC | $2K | $378 | $3K | 0.46% |
| DAVID MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $3K | — | $3K | 0.42% |
| JERRY A CALLAHAN3 Filed as: JERRY CALLAHAN | 2750 WHISPER CT DOUGLASVILLE, GA 30135 | AFLAC | $2K | — | $2K | 0.38% |
| GARY GREENE3 | 1609 W ARLINTON BLVD SUITE 102 GREENVILLE, NC 27858 | AFLAC | $2K | — | $2K | 0.37% |
| DENISE F BEAMAN3 Filed as: DENISE BEAMAN | 2 EDITH DRIVE JACKSONVILLE, NC 28540 | AFLAC | $2K | — | $2K | 0.36% |
| JASON VAN LE3 Filed as: JASON LE | 43388 NOTTINGHAM SQ ASHBURN, VA 20147 | AFLAC | $2K | $48 | $2K | 0.30% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $2K | — | $2K | 0.28% |
| JAMES D EDMONDS3 Filed as: JAMES EDMONDS | 788 BLACK SWEEP RD WARRENTON, VA 20186 | AFLAC | $1K | $47 | $1K | 0.21% |
| RICHARD CHAPMAN | 44073 PEIROSA TER CHANTILLY, VA 20152 | AFLAC | $1K | — | $1K | 0.20% |
| TODD SYKES3 | 1274 SILKY WILLOW DR WAKE FOREST, NC 27587 | AFLAC | $1K | — | $1K | 0.19% |
| JENNIFER VANROEKEL3 | 212 LEE TRACE DR SMITHFIELD, NC 27577 | AFLAC | $1K | — | $1K | 0.17% |
| ROBERT POTTER3 | 445 CANYON DR MESQUITE, NV 89027 | AFLAC | $992 | — | $992 | 0.17% |
| DANIEL J LONG3 Filed as: DANIEL LONG | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $955 | $5 | $960 | 0.16% |
| ROBERT A ANDERSON3 Filed as: ROBERT ANDERSON | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $941 | — | $941 | 0.16% |
| AIMEE STATON HARDY3 Filed as: AIMEE HARDY | 120 HUNTINGTON HILLS LANE FREDERICKSBURG, VA 22401 | AFLAC | $887 | — | $887 | 0.15% |
| NEIL M MORGAN JR3 Filed as: NEIL MORGAN JR | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $768 | — | $768 | 0.13% |
| DAVID EMERSON3 | 11551 NUCKOLS RD STE P GLEN ALLEN, VA 23059 | AFLAC | $764 | — | $764 | 0.13% |
| BRUCE ULIZIO3 | 10 RED CEDAR CIR STAFFORD, VA 22554 | AFLAC | $748 | — | $748 | 0.12% |
| DOUGLAS MISCH3 | 15700 SAINT PETERS CHURCH RD MONTPELIER, VA 23192 | AFLAC | $514 | $119 | $633 | 0.11% |
| KEVIN W KREPINEVICH3 Filed as: KEVIN KREPINEVICH | 3440 LEHIGH ST PMB 102 ALLENTOWN, PA 18103 | AFLAC | $569 | — | $569 | 0.09% |
| STEPHEN BEAMAN3 | 3201 HUNT CLUB LN NEW BERN, NC 28562 | AFLAC | $546 | — | $546 | 0.09% |
| DEBRA GEOFFRION3 | 11611 KENWOOD TERRACE FAIRFAX, VA 22030 | AFLAC | $505 | — | $505 | 0.08% |
| LANCE CHRISTMAS3 | 6402 MEDALLION DR FREDERICKSBURG, VA 22407 | AFLAC | $403 | — | $403 | 0.07% |
| KEITH SAULS3 | 36210 SANDERLING DR SELBYVILLE, DE 19975 | AFLAC | $392 | — | $392 | 0.07% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $391 | — | $391 | 0.07% |
| RUEANN EMERSON3 | 4257 HARRINGTON RD APT 306 LELAND, NC 28481 | AFLAC | $386 | — | $386 | 0.06% |
| ROGER CURTIS POWELL3 Filed as: ROGER POWELL | 967 SALMON POND WAY COLORADO SPRINGS, CO 80921 | AFLAC | $296 | $18 | $314 | 0.05% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $198 | — | $198 | 0.03% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $158 | — | $158 | 0.03% |
| AMELIA MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $157 | — | $157 | 0.03% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $147 | — | $147 | 0.02% |
| PAMELA BYERS3 | 10513 WINGED ELM CIRCLE MANASSAS, VA 20110 | AFLAC | $147 | — | $147 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LEORA BROWN | 7865 FLAGER CIRCLE MANASSAS, VA 20109 | AFLAC | $137 | $4 | $141 | 0.02% |
| LARRY BUTTRAM3 | 9185 MATTHEW DRIVE MANASSAS PARK, VA 20111 | AFLAC | $129 | — | $129 | 0.02% |
| JENNIFER HAWES3 | 231 GAYWOOD RD BALTIMORE, MD 21212 | AFLAC | $101 | — | $101 | 0.02% |
| RONALD E ROSE3 Filed as: RONALD ROSE | PO BOX 7193 HAMPTON, VA 23666 | AFLAC | $96 | — | $96 | 0.02% |
| SHEILA OLEM3 | 500 BOWERS LANE HERNDON, VA 20170 | AFLAC | $58 | — | $58 | 0.01% |
| SHEILA L RAITCH3 Filed as: SHEILA RAITCH | 5524 LIBER CT GAINESVILLE, VA 20155 | AFLAC | $56 | — | $56 | 0.01% |
| RICHARD MOSELEY JR3 | 10206 N HAMPTON LANE FREDERICKSBURG, VA 22408 | AFLAC | $41 | — | $41 | 0.01% |
| KATHRYN ANDERSON3 | 6706 FARMSTEAD LN FREDERICKSBURG, VA 22407 | AFLAC | $38 | — | $38 | 0.01% |
| JEFFERY S GIBSON3 Filed as: JEFFERY GIBSON | 4805 LAKE BROOK DR STE 220 GLEN ALLEN, VA 23060 | AFLAC | $25 | — | $25 | 0.00% |
| RYAN DREBING3 | 2112 N ROAN ST SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $25 | — | $25 | 0.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $17 | — | $17 | 0.00% |
| JEANNETTE FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $14 | — | $14 | 0.00% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $12 | — | $12 | 0.00% |
| MARK D LUTHER3 Filed as: MARK LUTHER | 804 MOOREFIELD PARK DR STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $10 | — | $10 | 0.00% |
| LINDSEY JO MARTIN3 Filed as: LINDSEY MARTIN | 1450 N ULMER ST GREENWOOD, AR 72936 | AFLAC | $7 | — | $7 | 0.00% |
| ROY CHILDRESS3 Filed as: ROY MUNSTER | P O BOX 5634 GLEN ALLEN, VA 23058 | AFLAC | $4 | — | $4 | 0.00% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, VA 28314 | AFLAC | $3 | — | $3 | 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 | 860 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 860 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 860 | $601K |
| Life insurance | AFLAC | 860 | $601K |
| Short-term disability | AFLAC | 860 | $601K |
| Other | AFLAC | 860 | $601K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 860 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.