| 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 | $2K | $57K | $59K | 3.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28211 | UNITED HEALTHCARE INSURANCE COMPANY | $441 | $18K | $18K | 0.94% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF VIRGINIA | $8K | — | $8K | 4.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | 1901 ROXBOROUGH ROAD #300 CHARLOTTE, NC 28211 | DELTA DENTAL OF VIRGINIA | $820 | — | $820 | 0.46% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 10.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.54% |
| JAMES T KINNEY3 | 1429 WARWICK AVE WARWICK, RI 02888 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 18.81% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.56% |
| NORMAN E ALLEN JR3 | 1 PARK WEST CIRCLE SUITE 306F MIDLOTHIAN, VA 23114 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.90% |
| BENEFIT ALERNATIVE INCORPORATED3 | P.O. BOX 804 GOOCHLAND, VA 23063 | TRANSAMERICA LIFE INSURANCE COMPANY | $139 | — | $139 | 0.35% |
| WILLIAM JUDGE JR3 Filed as: WILLIAM JUDGE JR. | SUITE 200 9609 GAYTON ROAD RICHMOND, VA 23238 | TRANSAMERICA LIFE INSURANCE COMPANY | $75 | — | $75 | 0.19% |
| STEPHANIE H. DREBING3 | 221 PERSIMMON LN JONESBOROUGH, TN 37659 | AFLAC | $86 | — | $86 | 5.05% |
| RYAN DREBING3 Filed as: RYAN A DREBING | 2112 N. ROAN STREET SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $46 | — | $46 | 2.70% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $26 | — | $26 | 1.53% |
| RONALD SCHOENHARDT3 Filed as: RONALD B SCHOENHARDT | 337 BLUFF CITY HWY STE 201 BRISTOL, TN 37620 | AFLAC | $73 | — | $73 | 6.99% |
| REGINA H FIELDS3 | P.O. BOX 3148 BLOUNTVILLE, TN 37617 | AFLAC | $40 | — | $40 | 3.83% |
| CHARLES F GREER3 | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $11 | — | $11 | 1.05% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $5 | — | $5 | 0.48% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $2 | — | $2 | 0.19% |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 580 | $1.9M |
| Dental | DELTA DENTAL OF VIRGINIA | 527 | $179K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 123 | $40K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $78K |
| Other(3 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 123 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.