| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC | PO BOX 211486 COLUMBIA, SC 29221 | UNION SECURITY INSURANCE COMPANY | $25K | $14K | $40K | 11.27% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | PO BOX 1600 24007 ROANOKE, VA 24011 | UNION SECURITY INSURANCE COMPANY | $25K | $294 | $26K | 7.28% |
| BB&T - BLUE RIDGE BURKE3 | PO BOX 168 WINSTON-SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | — | $9K | $9K | 2.48% |
| TWILA D SHOWALTER3 Filed as: TWILA SHOWALTER | 2515 EAST MARKET STREET SUITE E HARRISONBURG, VA 22801 | AFLAC | $2K | $15 | $2K | 4.94% |
| LARRY W SHOWALTER3 | 2515 EAST MARKET STREET SUITE E HARRISONBURG, VA 22801 | AFLAC | $408 | $3 | $411 | 1.04% |
| JAMES A TAFT JR3 Filed as: JAMES TAFT JR | 179 HOLSTEIN LANE TOMS BROOK, VA 22660 | AFLAC | $356 | — | $356 | 0.90% |
| BONNIE TAFT3 | 179 HOLSTEIN LANE TOMS BROOK, VA 22660 | AFLAC | $251 | — | $251 | 0.64% |
| TERRY J SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $239 | — | $239 | 0.61% |
| GEORGE BELCHER3 | POST OFFICE BOX 761 HARRISONBURG, VA 22803 | AFLAC | $182 | — | $182 | 0.46% |
| BOYD GLOVER JR3 | 69 MOORECLIFF LANE VERONA, VA 24482 | AFLAC | $171 | — | $171 | 0.43% |
| VICKEY Y LOSNES3 | 111 STROLLING TRL PONTE VEDRA, FL 32081 | AFLAC | $170 | — | $170 | 0.43% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $112 | — | $112 | 0.28% |
| THOMAS E HATCHER JR3 Filed as: THOMAS HATCHER JR | 717 GREEN VALLEY RD STE 200 GREENSBORO, NC 27408 | AFLAC | $109 | — | $109 | 0.28% |
| STEVEN FITZGERALD3 | 411 SOUTH POPLAR AVENUE A WAYNESBORO, VA 22980 | AFLAC | $71 | — | $71 | 0.18% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $64 | — | $64 | 0.16% |
| CURTIS STEELE3 | 2515 E MARKET ST SUITE E HARRISONBURG, VA 22801 | AFLAC | $59 | — | $59 | 0.15% |
| ANTHONY S HEVENER3 Filed as: ANTHONY HEVENER | 415 S MAIN ST FOUNTAIN INN, SC 29644 | AFLAC | $58 | — | $58 | 0.15% |
| GAIL M. DAWSON3 Filed as: GAIL DAWSON | PO BOX 214 HUDDLESTON, VA 24104 | AFLAC | $55 | — | $55 | 0.14% |
| RONALD HEVENER3 | 1146 ADIAL RD FABER, VA 22938 | AFLAC | $48 | — | $48 | 0.12% |
| DAVID E SHELL JR3 Filed as: DAVID SHELL JR | 102 MACTANLY PLACE SUITE C STAUNTON, VA 24401 | AFLAC | $38 | — | $38 | 0.10% |
| MARK WARE3 | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AFLAC | $37 | — | $37 | 0.09% |
| MARY L SIMMONS3 | 84 BREEZEWOOD DR STAUNTON, VA 24401 | AFLAC | $32 | $5 | $37 | 0.09% |
| WILLIAM M CLAYTOR3 | PO BOX 21209 ROANOKE, VA 24018 | AFLAC | $36 | — | $36 | 0.09% |
| JUDY L MCCULLOUGH3 Filed as: JUDY MCCULLOUGH | PO BOX 449 FOREST, VA 24551 | AFLAC | $33 | — | $33 | 0.08% |
| KATHRYN G KEMPTON3 Filed as: KATHRYN KEMPTON | 837 RIFES FORD ROAD VERONA, VA 24482 | AFLAC | $29 | — | $29 | 0.07% |
| JULIE W CRAIG3 Filed as: JULIE CRAIG | 15655 77TH TRL N PALM BEACH GARDENS, FL 33418 | AFLAC | $29 | — | $29 | 0.07% |
| BONITA H WALKER3 Filed as: BONITA WALKER | 1945 MAYLIN DR SALEM, VA 24153 | AFLAC | $25 | — | $25 | 0.06% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GATHRIGHT JR | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $23 | — | $23 | 0.06% |
| JOHN R WEVER3 Filed as: JOHN WEVER | 51 HULL HILLS LN STAUNTON, VA 24401 | AFLAC | $22 | — | $22 | 0.06% |
| CAROL L BRYANT3 | 6129 HOMEWOOD CIR ROANOKE, VA 24018 | AFLAC | $20 | — | $20 | 0.05% |
| JAMES A STUART3 | 2200 EAST DOUBLEGATE DRIVE ALBANY, GA 31707 | AFLAC | $20 | — | $20 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS H THOMPSON | 1911 OAKENGATE LANE MIDLOTHIAN, VA 23113 | AFLAC | $19 | — | $19 | 0.05% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT GUTHRIE | 5401 ASHBURY CT TYLER, TX 75703 | AFLAC | $16 | — | $16 | 0.04% |
| GARY W GOYER3 Filed as: GARY GOYER | 5463 WINESAP DR ROANOKE, VA 24019 | AFLAC | $14 | — | $14 | 0.04% |
| MICHAEL MARTIN3 | 442 KING GEORGE AVE SW ROANOKE, VA 24016 | AFLAC | $11 | — | $11 | 0.03% |
| THOMAS ROBINSON3 | 81 COTTAGE CT GORDONSVILLE, VA 22942 | AFLAC | $9 | — | $9 | 0.02% |
| JACKSON D RHODES3 Filed as: JACKSON RHODES | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $7 | — | $7 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: DAVID M BROWN | 2200 GRAYSTONE DRIVE ST CHARLES, MO 63303 | AFLAC | $6 | — | $6 | 0.02% |
| MELVIN R JONES3 Filed as: MELVIN JONES | 3025 ELIOCH MANOR DRIVE POWHATAN, VA 23139 | AFLAC | $5 | — | $5 | 0.01% |
| MARY MILLER3 | 2251 LAKE TERRACE DRIVE HARRISONBURG, VA 22802 | AFLAC | $5 | — | $5 | 0.01% |
| BOYD GLOVER JR3 Filed as: BOYD GLOVER III | 69 MOORECLIFF LANE VERONA, VA 24482 | AFLAC | $5 | — | $5 | 0.01% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 4 SOTHEBY PL SE GURLEY, AL 35748 | AFLAC | $4 | — | $4 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TIMOTHY BROWN | 4807 WALNUT AVE BUNNELL, FL 32110 | AFLAC | $2 | — | $2 | 0.01% |
| RICHARD L MARTIN3 | ROUTE 3 BOX 63 DILLWYN, VA 23936 | AFLAC | $1 | — | $1 | 0.00% |
| RODNEY BALLANCE JR3 | 1235 GARRETT RD WILLIAMSTON, NC 27892 | AFLAC | $1 | — | $1 | 0.00% |
| JEANNE M SPATH3 Filed as: JEANNE SPATH | 445 PEACH STREET STAUNTON, VA 24401 | AFLAC | — | — | $0 | 0.00% |
| DAISY W STIEBEL3 Filed as: DAISY STEIBEL | 4970 S ISLAND DR NORTH MYRTLE BEACH, SC 29582 | AFLAC | $2K | — | $2K | 6.33% |
| THOMAS MICHAEL RIGNEY3 Filed as: THOMAS RIGNEY | 116 OCEN BAY DR JENSEN BEACH, FL 34957 | AFLAC | $250 | — | $250 | 0.84% |
| ROBERT M TASSONE3 Filed as: ROBERT TASSONE | PO BOX 25 HARTFEILD, VA 23071 | AFLAC | $238 | — | $238 | 0.80% |
| DAVID MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $178 | — | $178 | 0.60% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS HESLEP | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $154 | — | $154 | 0.52% |
| JOHN JONES JR3 | 4899 FINLAY ST STE A RICHMOND, VA 23231 | AFLAC | $149 | — | $149 | 0.50% |
| GENIA ANNE TENCH3 | 804 MOOREFIELD PARK DR STE 205 RICHMOND, VA 23236 | AFLAC | $146 | — | $146 | 0.49% |
| JEFFREY S GIBSON3 Filed as: JEFFREY GIBSON | 14301 N 87TH ST STE 313 SCOTTSDALE, AZ 85260 | AFLAC | $144 | — | $144 | 0.48% |
| REBECCA F SMITH3 | 5040 SADLER PL STE 110 GLEN ALLEN, VA 23060 | AFLAC | $136 | — | $136 | 0.46% |
| ROY CHILDRESS3 Filed as: ROY MUNSTER | PO BOX 5634 GLEN ALLEN, VA 23058 | AFLAC | $94 | — | $94 | 0.32% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $44 | — | $44 | 0.15% |
| LORI RICHARDSON3 | 708 CAVANAUGH LN EVANS, GA 30809 | AFLAC | $24 | — | $24 | 0.08% |
| KEITH BUMP3 | 10060 WEST BROAD STREET 209 GLEN ALLEN, VA 23060 | AFLAC | $15 | — | $15 | 0.05% |
| MICHAEL FATHERREE3 | 11876 MOORHEN CIR FORT WORTH, TX 76244 | AFLAC | $13 | — | $13 | 0.04% |
| REBECCA NEWSOME3 | 2603 WOODBLUFF CIR AUGUSTA, GA 30909 | AFLAC | $6 | — | $6 | 0.02% |
| ROY MANGUM3 | 109 GULLAN SMITHFIELD, VA 23430 | AFLAC | $5 | — | $5 | 0.02% |
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 | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 451 | $420K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 451 | $350K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 451 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.