| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS - RICHMOND | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $56K | $56K | 3.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303393182 | DELTA DENTAL OF VIRGINIA | $8K | — | $8K | 4.94% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.75% |
| NORMAN E ALLEN JR3 | 1 PARK WEST CIRCLE SUITE 306F MIDLOTHIAN, VA 23114 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.70% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 10800 BISCAYNE BOULEVARD SUITE 250 MIAMI, FL 33161 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.19% |
| JAMES T KINNEY3 | 1429 WARWICK AVE WARWICK, RI 02888 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.00% |
| BENEFIT ALERNATIVE INCORPORATED3 | P.O. BOX 804 GOOCHLAND, VA 23063 | TRANSAMERICA LIFE INSURANCE COMPANY | $238 | — | $238 | 0.71% |
| WILLIAM JUDGE JR3 Filed as: WILLIAM JUDGE JR. | SUITE 200 9609 GAYTON ROAD RICHMOND, VA 23238 | TRANSAMERICA LIFE INSURANCE COMPANY | $37 | — | $37 | 0.11% |
| STEPHANIE H. DREBING3 | 221 PERSIMMON LN JONESBOROUGH, TN 37659 | AFLAC | $86 | — | $86 | 4.50% |
| RYAN DREBING3 Filed as: RYAN A DREBING | 2112 N. ROAN STREET SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $46 | — | $46 | 2.41% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $26 | — | $26 | 1.36% |
| JERRI A SURBER3 | 813 WEDGEWOOD RD JOHNSON CITY, TN 37604 | AFLAC | $16 | — | $16 | 0.84% |
| KENNETH R MEREDITH3 Filed as: KENNETH R. MEREDITH | P.O. BOX 13 2113 WEATHERFORD CREEK ROAD LUTTS, TN 38471 | AFLAC | $5 | — | $5 | 0.26% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LANE FRANKLIN, TN 37607 | AFLAC | $2 | — | $2 | 0.10% |
| RONALD SCHOENHARDT3 | 337 BLUFF CITY HWY STE 201 BRISTOL, TN 37620 | AFLAC | $122 | — | $122 | 7.01% |
| REGINA H FIELDS3 Filed as: REGINA FIELDS | P.O. BOX 3148 BLOUNTVILLE, TN 37617 | AFLAC | $67 | — | $67 | 3.85% |
| CHARLES F GREER3 Filed as: CHARLES GREER | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $18 | — | $18 | 1.03% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $9 | — | $9 | 0.52% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $2 | — | $2 | 0.11% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 409 | $1.6M |
| Dental | DELTA DENTAL OF VIRGINIA | 439 | $157K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 302 | $34K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $71K |
| Other(3 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 302 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.