| 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 PLAN | $13K | — | $13K | 2.06% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | OPTIMA HEALTH PLAN | $3K | — | $3K | 0.44% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | OPTIMA HEALTH PLAN | $10K | — | $10K | 2.06% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | OPTIMA HEALTH PLAN | $2K | — | $2K | 0.44% |
| BB&T BARGER INSURANCE NETWORK3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $1K | $12K | 6.85% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P. O. BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.10% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $840 | $4K | 2.34% |
| MICHELLE DAWN HYDE LAWSON3 Filed as: MICHELLE D. HYDE LAWSON | 923 EAST MARKET STREET SUITE B CHARLOTTESVILLE, VA 22902 | CONTINENTAL AMERICAN INSURANCE COMPANY | $689 | — | $689 | 7.16% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $402 | — | $402 | 4.18% |
| RUTH P YOUNG3 Filed as: RUTH P. YOUNG | 808 WIGGINGTON ROAD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $195 | — | $195 | 2.03% |
| KENNETH BAILEY3 Filed as: KENNETH R. BAILEY | 2121 MT. TORREY ROAD LYNDHURST, VA 22952 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | — | $139 | 1.44% |
| CHRISTOPHER POWELL3 | 350 OLD IVY WAY SUITE 200 CHARLOTTESVILLE, VA 22903 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.62% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.38% |
| DUANE A ADAMS3 Filed as: DUANE A. ADAMS | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.16% |
| RICHARD KRESINSKE3 | P. O. BOX 15341 CHESAPEAKE, VA 23328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.09% |
| AMELIA MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| RUSSELL W TINNEY3 Filed as: RUSSELL W. TINNEY | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| MICHELLE DAWN HYDE LAWSON3 | PO BOX 14 SHIPMAN, VA 22971 | AFLAC | $221 | — | $221 | 5.09% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 700 WAYNESBORO, VA 22980 | AFLAC | $84 | — | $84 | 1.94% |
| KENNETH BAILEY3 Filed as: KENNETH R BAILEY | 2121 MT TORREY ROAD LYNDHURST, VA 22952 | AFLAC | $54 | — | $54 | 1.24% |
| CHRISTOPHER PARSONS3 | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $45 | — | $45 | 1.04% |
| VICKIE LOSNES3 Filed as: VICKIE Y LOSNES | 6146 BARTRAM VILLAGE DRIVE JACKSONVILLE, FL 32258 | AFLAC | $34 | — | $34 | 0.78% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $25 | — | $25 | 0.58% |
| SABRINA ANN PARSONS3 | 675 BENT OAKS DRIVE UNIT 723 EARLYSVILLE, VA 22936 | AFLAC | $14 | — | $14 | 0.32% |
| THOMAS E HATCHER JR3 | 1588BAYTREE DRIVE HARRELLS, NC 28444 | AFLAC | $13 | — | $13 | 0.30% |
| KENNETH BAILEY3 Filed as: KENNETH R. BAILEY | 2121 MT. TORREY ROAD LYNDHURST, VA 22952 | AFLAC | $11 | — | $11 | 0.25% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $7 | — | $7 | 0.16% |
| JAMES A TAFT JR3 | 573 CANE RUN STREET HARRODSBURG, KY 40330 | AFLAC | $4 | — | $4 | 0.09% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $3 | — | $3 | 0.07% |
| BONNIE L TAFT3 | 573 CANE STREET HARRODSBURG, KY 40330 | AFLAC | $2 | — | $2 | 0.05% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | OPTIMA HEALTH PLAN | 128 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $180K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $180K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $180K |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.