| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $41K | — | $41K | 3.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303393182 | DELTA DENTAL OF VIRGINIA | $7K | — | $7K | 5.01% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| NORMAN E ALLEN JR3 | 1 PARK WEST CIRCLE SUITE 306F MIDLOTHIAN, VA 23114 | TRANSAMERICA LIFE INSURANCE COMPANY | $15K | — | $15K | 45.39% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BOULEVARD SUITE 250 MIAMI, FL 33161 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 21.90% |
| BENEFIT ALERNATIVE INCORPORATED3 | P.O. BOX 804 GOOCHLAND, VA 23063 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.36% |
| RONALD SCHOENHARDT3 | 337 BLUFF CITY HWY STE 201 BRISTOL, TN 37620 | AFLAC | $147 | — | $147 | 5.74% |
| REGINA H FIELDS3 Filed as: REGINA FIELDS | P.O. BOX 3148 BLOUNTVILLE, TN 37617 | AFLAC | $68 | — | $68 | 2.65% |
| CHARLES F GREER3 Filed as: CHARLES GREER | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $18 | — | $18 | 0.70% |
| KIMBERLY STATEN3 | PO BOX 8184 GRAY, TN 37615 | AFLAC | $13 | — | $13 | 0.51% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $9 | — | $9 | 0.35% |
| JACKSON D RHODES3 Filed as: JACKSON RHODES | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $7 | — | $7 | 0.27% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $3 | — | $3 | 0.12% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 123 CENTER PARK DR SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.04% |
| STEPHANIE H. DREBING3 | 221 PERSIMMON LN JONESBOROUGH, TN 37659 | AFLAC | $93 | — | $93 | 3.82% |
| RYAN DREBING3 Filed as: RYAN A DREBING | 2112 N. ROAN STREET SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $50 | — | $50 | 2.06% |
| JERRI A SURBER3 | 813 WEDGEWOOD RD JOHNSON CITY, TN 37604 | AFLAC | $44 | — | $44 | 1.81% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | 525 W. OAKLAND AVENUE SUITE 7 JOHNSON CITY, TN 37604 | AFLAC | $28 | — | $28 | 1.15% |
| KENNETH R MEREDITH3 Filed as: KENNETH R. MEREDITH | P.O. BOX 13 2113 WEATHERFORD CREEK ROAD LUTTS, TN 38471 | AFLAC | $15 | — | $15 | 0.62% |
| JAMES J BARBARITO3 Filed as: JAMES J. BARBARITO | 4 CARRIAGE COURT JOHNSON CITY, TN 37604 | AFLAC | $8 | — | $8 | 0.33% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $5 | — | $5 | 0.21% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 357 | $1.3M |
| Dental | DELTA DENTAL OF VIRGINIA | 393 | $146K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 256 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $63K |
| Other(3 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 256 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.