| 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 | $12K | — | $12K | 2.06% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | OPTIMA HEALTH PLAN | $2K | — | $2K | 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 | $11K | — | $11K | 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 | $15K | $1K | $17K | 8.44% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P. O. BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 3.12% |
| MICHELLE DAWN HYDE LAWSON3 Filed as: MICHELLE D. HYDE LAWSON | 923 EAST MARKET STREET SUITE B CHARLOTTESVILLE, VA 22902 | CONTINENTAL AMERICAN INSURANCE COMPANY | $259 | — | $259 | 3.12% |
| RUTH P YOUNG3 Filed as: RUTH P. YOUNG | 808 WIGGINGTON ROAD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | 1.31% |
| KENNETH BAILEY3 Filed as: KENNETH R. BAILEY | 2121 MT. TORREY ROAD LYNDHURST, VA 22952 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 1.25% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.94% |
| CHRISTOPHER POWELL3 | 350 OLD IVY WAY SUITE 200 CHARLOTTESVILLE, VA 22903 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.48% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.32% |
| DUANE A ADAMS3 Filed as: DUANE A. ADAMS | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.16% |
| RICHARD KRESINSKE3 | P. O. BOX 15341 CHESAPEAKE, VA 23328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| AMELIA MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| 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% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSEMAN MICHAELS AND DOWNES | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | FEDERAL INSURANCE COMPANY | — | $4 | $4 | 0.10% |
| MICHELLE DAWN HYDE LAWSON3 | PO BOX 443 LOVINGSTON, VA 22949 | AFLAC | $97 | — | $97 | 2.70% |
| MICHELLE DAWN HYDE LAWSON3 | P.O. BOX 14 SHIPMAN, VA 22971 | AFLAC | $89 | — | $89 | 2.48% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 700 WAYNESBORO, VA 22980 | AFLAC | $70 | — | $70 | 1.95% |
| KENNETH BAILEY3 Filed as: KENNETH R BAILEY | 2121 MT TORREY ROAD LYNDHURST, VA 22952 | AFLAC | $60 | — | $60 | 1.67% |
| CHRISTOPHER PARSONS3 | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $44 | — | $44 | 1.23% |
| VICKIE LOSNES3 Filed as: VICKIE Y LOSNES | 8540 GOODVIEW RD GOODVIEW, VA 24095 | AFLAC | $34 | — | $34 | 0.95% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $24 | — | $24 | 0.67% |
| THOMAS E HATCHER JR3 | 1588 BAYTREE DRIVE HARRELLS, NC 28444 | AFLAC | $13 | — | $13 | 0.36% |
| SABRINA ANN PARSONS3 | P.O. BOX 1264 POQUOSON, VA 23662 | AFLAC | $2 | — | $2 | 0.06% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | OPTIMA HEALTH PLAN | 136 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 257 | $197K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 257 | $197K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 257 | $197K |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 257 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.