| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | OPTIMA HEALTH | $27K | — | $27K | 2.00% |
| BB&T INSURANCE SERVICES, INC. Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | OPTIMA HEALTH | $3K | — | $3K | 0.35% |
| BB&T INSURANCE SERVICES, INC. Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | OPTIMA HEALTH | $2K | — | $2K | 0.33% |
| BAYSE & COMPANY | 924 2ND STREET SW ROANOKE, VA 24016 | OPTIMA HEALTH | — | — | $0 | 0.00% |
| BB&T INSURANCE SERVICES, INC. Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | OPTIMA HEALTH | $11K | — | $11K | 2.00% |
| BAYSE & COMPANY3 | 924 SECOND ST SW ROANOKE, VA 24016 | OPTIMA HEALTH | — | — | $0 | 0.00% |
| BB&T INSURANCE SERVICES, INC. Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | OHIC PPO - OPTIMA HEALTH | $98 | — | $98 | 0.30% |
| BAYSE & COMPANY | 924 2ND STREET SW ROANOKE, VA 24016 | OHIC PPO - OPTIMA HEALTH | — | — | $0 | 0.00% |
| BB&T INSURANCE SERVICES, INC. Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | OHIC PPO - OPTIMA HEALTH | $428 | — | $428 | 2.00% |
| BAYSE & COMPANY | 924 2ND STREET SW ROANOKE, VA 24016 | OHIC PPO - OPTIMA HEALTH | — | — | $0 | 0.00% |
| BOYD GLOVER JR3 | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $6K | $65 | $6K | — |
| MICHAEL GLOVER3 Filed as: MICHAEL G. GLOVER | 357 WINDIGROVE DRIVE APT 911 WAYNESBORO, VA 22980 | AFLAC | $1K | $110 | $2K | — |
| MICHAEL GLOVER3 Filed as: MICHAEL G. GLOVER | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $803 | $27 | $830 | — |
| MARK WARE3 | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AFLAC | $723 | — | $723 | — |
| LARRY W SHOWALTER3 | 2515 EAST MARKET ST SUITE E HARRISONBURG, VA 22801 | AFLAC | $581 | $41 | $622 | — |
| VICKIE LOSNES3 | 111 STROLLING TRAIL PONTE VEDRA, FL 32081 | AFLAC | $520 | — | $520 | — |
| CAROL BUREK3 | 7682 E WINDLAWN WAY PARKER, CO 80134 | AFLAC | $419 | — | $419 | — |
| RONALD HEVENER3 | 1557 COMMERCE ROAD SUITE 203 VERONA, VA 24482 | AFLAC | $373 | $21 | $394 | — |
| BONNIE TAFT3 | 179 HOLSTEIN LANE TOMS BROOK, VA 22660 | AFLAC | $363 | — | $363 | — |
| RONALD B HEVENER Filed as: RONALD B. HEVENER | 1146 ADIAL ROAD FABER, VA 22938 | AFLAC | $314 | $20 | $334 | — |
| DAVID MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $278 | $40 | $318 | — |
| GEORGE BELCHER3 | PO BOX 761 HARRISONBURG, VA 22803 | AFLAC | $307 | — | $307 | — |
| BOYD GLOVER JR3 Filed as: BOYD GLOVER III | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $283 | — | $283 | — |
| MARY MILLER3 | 2251 LAKE TERRACE DRIVE HARRISONBURG, VA 22802 | AFLAC | $242 | — | $242 | — |
| GEORGE GOODLOE3 | 303 GREENWAY RD STAUNTON, VA 24401 | AFLAC | $200 | — | $200 | — |
| TERRY SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $174 | — | $174 | — |
| LEROY CHAPMAN JR3 | 431 QUEEN ANNE COURT HARRISONBURG, VA 22801 | AFLAC | $163 | — | $163 | — |
| WILLIAM F GATEWOOD3 Filed as: WILLIAM GATEWOOD | 8547 DEERFIELD RD MILLBORO, VA 24460 | AFLAC | $151 | — | $151 | — |
| JAMES A SCOTT & SON INC3 Filed as: JAMES HILL SR | 9701 GAYTON RD SUITE 6 RICHMOND, VA 23238 | AFLAC | $145 | — | $145 | — |
| DANA KRUSZ3 | 1415 DOGWOOD RD STAUNTON, VA 24401 | AFLAC | $145 | — | $145 | — |
| THOMAS E HATCHER JR3 Filed as: THOMAS HATCHER JR | 717 GREEN VALLEY ROAD SUITE 200 GREENSBORO, NC 27408 | AFLAC | $145 | — | $145 | — |
| SUZANNE HALL3 | 425 MAPLE AVENUE WAYNESBORO, VA 22980 | AFLAC | $141 | — | $141 | — |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GATHRIGHT JR | POBOX 165 GOOCHLAND, VA 23063 | AFLAC | $69 | — | $69 | — |
| THOMAS ROBINSON3 | 81 COTTAGE COURT GORDONSVILLE, VA 22942 | AFLAC | $67 | — | $67 | — |
| RICHARD L TUSING3 Filed as: RICHARD TUSING | 30 YORK CT STAUNTON, VA 24401 | AFLAC | $54 | — | $54 | — |
| CHERYL D DAVENPORT3 Filed as: CHERYL DAVENPORT | 13407 SOUTHWALK ST SAN ANTONIO, TX 78232 | AFLAC | $40 | — | $40 | — |
| FRANKLIN BROOKS3 | 347 MIDDLE LANE RD GROTTOES, VA 24441 | AFLAC | $39 | — | $39 | — |
| TOMMY MCKEE3 | 5013 FOREST OAKS DR LAS VEGAS, NV 89149 | AFLAC | $31 | — | $31 | — |
| ROBERT B LONG | 308 CIRCLE VIEW ROAD LURAY, VA 22835 | AFLAC | $27 | — | $27 | — |
| DEAN B GRIFFITH | 510 WINDY RIDGE ROAD FRONT ROYAL, VA 22630 | AFLAC | $23 | — | $23 | — |
| TRESSIE I NORRIS | 4900 ZEPP ROAD MAURERTOWN, VA 22644 | AFLAC | $22 | — | $22 | — |
| JAMES A TAFT JR3 Filed as: JAMES TAFT JR | 179 HOLSTEIN LANE TOMS BROOK, VA 22660 | AFLAC | $17 | — | $17 | — |
| JOHN V MEYER JR LLC3 Filed as: JOHN MEYER JR LLC | 315 N SANDSTONE LANE BRIDGEWATER, VA 22812 | AFLAC | $15 | — | $15 | — |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS H THOMPSON | 1911 OAKENGATE LANE MIDLOTHIAN, VA 23113 | AFLAC | $14 | — | $14 | — |
| SUSAN COYNER3 | P O BOX 478 WAYNESBORO, VA 22980 | AFLAC | $12 | — | $12 | — |
| DANA J A NORRIS3 | 4900 ZEPP ROAD MAURERTOWN, VA 22644 | AFLAC | $12 | — | $12 | — |
| HAROLD GREENSTONE3 | P O BOX 250 WAYNESBORO, VA 22980 | AFLAC | $11 | — | $11 | — |
| DAVID E SHELL JR3 Filed as: DAVID SHELL JR | 102 MACTANLY PLACE SUITE C STAUNTON, VA 24401 | AFLAC | $6 | — | $6 | — |
| CHRISTOPHER PARSONS3 | 4370 SADDLE COURT EARLYSVILLE, VA 22936 | AFLAC | $3 | — | $3 | — |
| DURWARD W HANCOCK JR | PO BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $2 | — | $2 | — |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 4 SOTHEBY PL SE GURLEY, AL 35748 | AFLAC | $1 | — | $1 | — |
| BAYSE & COMPANY3 | 924 SECOND ST SW ROANOKE, VA 24016 | OPTIMA HEALTH | — | — | $0 | — |
| BAYSE & COMPANY3 | 924 SECOND ST SW ROANOKE, VA 24016 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | — |
| TRUSTPOINT BENE & COMP COMPLIANCE3 Filed as: TRUSTPOINT BENEFITS AND COMPEN. | 425 STATE ST SUITE 307 BRISTOL, VA 24201 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | — |
| TRUSTPOINT BENE & COMP COMPLIANCE3 Filed as: TRUSTPOINT BENEFITS AND COMPEN. | 425 STATE ST SUITE 307 BRISTOL, VA 24201 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | — |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 2 carriers) | OPTIMA HEALTH | 269 | $3.5M |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $0 |
| Other | AFLAC | 134 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.