| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANSOURCE BEN ADMINISTRATION INC5 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.37% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $648 | $648 | 1.50% |
| PLANSOURCE BEN ADMINISTRATION INC5 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.73% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $558 | $558 | 1.50% |
| PLANSOURCE BEN ADMINISTRATION INC5 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $294 | $294 | 1.58% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $280 | $280 | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $234 | — | $234 | 4.83% |
| MICHELLE DAWN HYDE LAWSON3 Filed as: MICHELLE D HYDE LAWSON | 923 EAST MARKET STREET SUITE B CHARLOTTESVILLE, VA 22902 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | — | $112 | 2.31% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 1.18% |
| KENNETH BAILEY3 Filed as: KENNETH R BAILEY | 2121 MOUNT TORREY ROAD LYNDHURST, VA 22952 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 1.11% |
| RUTH P YOUNG3 | 808 WIGGINGTON ROAD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 1.05% |
| SUSAN N ADAMS3 | 10015 WEST BROAD STREET GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.60% |
| SAMUEL DAANE3 | 2719 NORTHFIELD ROAD CHARLOTTESVILLE, VA 22901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.33% |
| DAVID N MORGAN3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.31% |
| MICHELLE DAWN HYDE LAWSON3 Filed as: MICHELLE D HYDE LAWSON | 923 EAST MARKET STREET SUITE B CHARLOTTESVILLE, VA 22902 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.27% |
| SHANDA R PARKER3 | 3419 GARLAND AVENUE RICHMOND, VA 23222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.16% |
| CODY MOSS3 | 2203 GLENMORE ROAD SCOTTSVILLE, VA 24590 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.14% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| RICHARD KRESINSKE3 | PO BOX 15341 CHESAPEAKE, VA 23328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4805 LAKEBROOK DRIVE SUITE 220 GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.06% |
| AMELIA MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| MICHELLE DAWN HYDE LAWSON3 | PO BOX 443 LOVINGSTON, VA 22949 | AFLAC | $139 | — | $139 | 5.27% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERIVCES, INC. | PO BOX 700 WAYNESBORO, VA 22980 | AFLAC | $53 | — | $53 | 2.01% |
| KENNETH BAILEY3 Filed as: KENNETH R BAILEY | 2121 MOUNT TORREY ROAD LYNDHURST, VA 22952 | AFLAC | $51 | — | $51 | 1.93% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $37 | — | $37 | 1.40% |
| VICKIE LOSNES3 Filed as: VICKIE Y LOSNES | 21 HICKORY NUT LANE STAUNTON, VA 24401 | AFLAC | $20 | — | $20 | 0.76% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $18 | — | $18 | 0.68% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DRIVE HARRELLS, NC 28444 | AFLAC | $9 | — | $9 | 0.34% |
| SABRINA ANN PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $2 | — | $2 | 0.08% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 139 | $77K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 161 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $56K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $43K |
| Stop-loss / reinsurancereinsurance | HEALTHKEEPERS, INC. | 286 | $653K |
| Other(5 contracts, 4 carriers) | HEALTHKEEPERS, INC. | 286 | $716K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.