| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOWER BENEFIT CONSULTANTS3 | 582 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 | DOMINION DENTAL SERVICES INC. | $17K | — | $17K | 9.20% |
| KENNETH W SHOLAR3 Filed as: KENNETH SHOLAR | 4608 WESTGROVE COURT HAYGOOD EXECUTIVE PARK VIRGINIA BEACH, VA 23455 | AFLAC | $6K | $13 | $6K | 5.75% |
| SANDRA K REED3 Filed as: SANDRA CRAFT | 716 NORCOVA DRIVE CHESAPEAKE, VA 23320 | AFLAC | $2K | — | $2K | 2.02% |
| SHERRY SHOLAR3 | 441 INGRAM ROAD VIRGINIA BEACH, VA 23452 | AFLAC | $2K | — | $2K | 1.77% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $897 | $3 | $900 | 0.80% |
| ELIZABETH ANNE BUCHANAN3 Filed as: ELIZABETH BUCHANAN | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $860 | — | $860 | 0.77% |
| PLUMB & ASSOCIATES INC3 Filed as: PLUMB & ASSOCIATES INC. | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $717 | — | $717 | 0.64% |
| G COX JR.3 Filed as: G COX JR | 6913 CALLE DE BANDOLEDO NAVARRE, FL 32566 | AFLAC | $576 | — | $576 | 0.51% |
| DAVID N MORGAN3 Filed as: DAVID MORGAN | 906 MERCANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $527 | — | $527 | 0.47% |
| JOHN YARBOROUGH3 | 1113 MOUNTAIN OAKS DRIVE HOOVER, AL 35226 | AFLAC | $372 | — | $372 | 0.33% |
| SHAWN STEPHENS3 | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $316 | — | $316 | 0.28% |
| ROY MANGUM3 | 109 GULLAN SMITHFIELD, VA 23430 | AFLAC | $295 | — | $295 | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $240 | — | $240 | 0.21% |
| BRANDON SHOLAR3 | 4808 WESTGROVE COURT VIRGINIA BEACH, VA 23455 | AFLAC | $230 | — | $230 | 0.20% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $192 | — | $192 | 0.17% |
| YARBOROUGH AND YARBOROUGH INC3 Filed as: YARBOROUGH AND YARBOUROUGH INC | 4035 HEUTTE DRIVE NORFOLK, VA 23518 | AFLAC | $185 | — | $185 | 0.16% |
| NELSON C JANNEY3 Filed as: NELSON JANNEY | PO BOX 218 GLOVERDALE, VA 24077 | AFLAC | $154 | — | $154 | 0.14% |
| DONALD B ORRELL3 Filed as: DONALD ORELL | 1581 CHERRY GROVE RD N SUFFOLK, VA 23432 | AFLAC | $98 | — | $98 | 0.09% |
| DONNA WETHERINGTON3 | 5068 LAUDERDALE AVENUE VIRGINIA BEACH, VA 23455 | AFLAC | $84 | — | $84 | 0.07% |
| FRANKLIN JESTER3 | PO BOX 654 FRANKLIN, VA 23851 | AFLAC | $77 | — | $77 | 0.07% |
| FRANK MEEKS JR3 | 6512 FULTON DRIVE LIZELLA, GA 31052 | AFLAC | $40 | — | $40 | 0.04% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS ROAD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $33 | — | $33 | 0.03% |
| AUBREY W THOMAS3 Filed as: AUBREY THOMAS | 32627 THE OLD ROAD CASTAIC, CA 91384 | AFLAC | $30 | — | $30 | 0.03% |
| MICHAEL FATHERREE3 | 171 COUNTRY ROAD 1559 ALBA, TX 75410 | AFLAC | $30 | — | $30 | 0.03% |
| RONALD A DASHKOVITZ3 Filed as: RONALD DASHKOVITZ | 20 MILLPOND TRL SAGINAW, MI 48603 | AFLAC | $29 | — | $29 | 0.03% |
| RICHARD KRESINSKE3 Filed as: RICHARD KRESINSKI | 4004 ATLANTIC AV APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $25 | — | $25 | 0.02% |
| ROBIN PRICE3 | 3059 ANASTASIA CT APOPKA, FL 32703 | AFLAC | $24 | — | $24 | 0.02% |
| JUDITH GUNNELLS3 | 144 BUCKINGHAM PLACE MACON, GA 31204 | AFLAC | $20 | — | $20 | 0.02% |
| LAVONNE P. ELLIS3 Filed as: LAVONNE ELLIS | 917 MAINS CREEK ROAD CHESAPEAKE, VA 23320 | AFLAC | $19 | — | $19 | 0.02% |
| LAWRENCE WAYNE CROCKER3 Filed as: LAWRENCE CROCKER | 212 CHEYENNE ROAD VIRGINIA BEACH, VA 23462 | AFLAC | $15 | $3 | $18 | 0.02% |
| LORI RICHARDSON3 | 3730 SAPPHIRE DR AUGUSTA, GA 30907 | AFLAC | $18 | — | $18 | 0.02% |
| WILLIAM FARMER3 | 4931 RIVERSIDE DRIVE ST 100 C MACON, GA 31210 | AFLAC | $13 | — | $13 | 0.01% |
| CHRISTOPHER PARSONS3 | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $11 | — | $11 | 0.01% |
| SHEILA L RAITCH3 Filed as: SHEILA RAITCH | 5524 LIBER CT GAINESVILLE, VA 20155 | AFLAC | $11 | — | $11 | 0.01% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $9 | — | $9 | 0.01% |
| AMELIA MORGAN3 | 1904 ELLIS DRIVE MADENS, VA 23102 | AFLAC | $8 | — | $8 | 0.01% |
| HORTENSE HANCOCK3 | PO BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $8 | — | $8 | 0.01% |
| GEORGE BROWNING JR.3 Filed as: GEORGE BROWNING JR | PO BOX 8188 VIRGINIA BEACH, VA 23450 | AFLAC | $7 | — | $7 | 0.01% |
| REBECCA NEWSOME3 | 2603 WOODBLUFF CIRCLE AUGUSTA, GA 30909 | AFLAC | $5 | — | $5 | 0.00% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $5 | — | $5 | 0.00% |
| ROY CHILDRESS3 Filed as: ROY MUNSTER | PO BOX 5634 GLEN ALLEN, VA 23058 | AFLAC | $5 | — | $5 | 0.00% |
| JASON WEST3 | 6501 PEAKE RD STE 950 MACON, GA 31210 | AFLAC | $4 | — | $4 | 0.00% |
| CHERI FRAME3 | 4290 OXFORD ROAD MACON, GA 31210 | AFLAC | $4 | — | $4 | 0.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 297 LITTEL NECK ROAD 3300 BLDG STE 200 VIRGINIA BEACH, VA 23452 | AFLAC | $3 | — | $3 | 0.00% |
| JEANNETTE FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $3 | — | $3 | 0.00% |
| LINDSEY JO MARTIN3 Filed as: LINDSEY MARTIN | 2095 COX CV CONWAY, AZ 72034 | AFLAC | $3 | — | $3 | 0.00% |
| MARY YARBOROUGH3 | 4035 HEUTTE DRIVE NORFOLK, VA 23518 | AFLAC | $3 | — | $3 | 0.00% |
| MARK D LUTHER3 Filed as: MARK LUTHER | 604 MOOREFIELD PARK DR STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $1 | — | $1 | 0.00% |
| DIANE GRABIAK3 | 5576 HOWLAND CT DUNWOODY, GA 30338 | AFLAC | $1 | — | $1 | 0.00% |
| TOWER BENEFIT CONSULTANTS3 | 582 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 15.00% |
| TOWER BENEFIT CONSULTANTS3 | 582 LYNNHAVEN SUITE 200 VIRGINIA BEACH, VA 23452 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 15.00% |
| TOWER BENEFIT CONSULTANTS3 | 582 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| TOWER BENEFIT CONSULTANTS3 | 582 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
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 | 375 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTH INSURANCE COMPANY | 300 | $2.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 375 | $94K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 375 | $92K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 375 | $56K |
| Other(2 contracts, 2 carriers) | AFLAC | 375 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.