| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOWER BENEFIT CONSULTANTS3 | 582 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 | UNITED HEALTHCARE INSURANCE COMPANY | — | $26K | $26K | 1.99% |
| TOWER BENEFIT CONSULTANTS3 | 582 LYNNHAVEN PARKWAY SUITE 200 SUITE 200 VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | — | $21K | $21K | 1.99% |
| TOWER BENEFIT CONSULTANTS3 | 582 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 | OHIC PPO | — | $4K | $4K | 1.99% |
| TOWER BENEFIT CONSULTANTS3 | 582 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 | DOMINION NATIONAL | $17K | — | $17K | 10.00% |
| KENNETH W SHOLAR3 Filed as: KENNETH W. SHOLAR | 4608 WESTGROVE COURT HAYGOOD EXECUTIVE PARK VIRGINIA BEACH, VA 23455 | AFLAC | $5K | $170 | $5K | 5.55% |
| SANDRA P CRAFF3 Filed as: SANDRA P. CRAFF | 716 NORCOVA DRIVE CHESAPEAKE, VA 23320 | AFLAC | $2K | — | $2K | 1.91% |
| SHERRY SHOLAR3 Filed as: SHERRY E. SHOLAR | PO BOX 6745 VIRGINIA BEACH, VA 23454 | AFLAC | $770 | $170 | $940 | 0.99% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $686 | — | $686 | 0.72% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 401 VIRGINIA BEACH, VA 23455 | AFLAC | $604 | $68 | $672 | 0.71% |
| G CARLTON COX JR3 Filed as: G. CARLTON COX JR. | 6913 CALLE DE BANDOLEDO NAVARRE, FL 32566 | AFLAC | $558 | — | $558 | 0.59% |
| PLUMB & ASSOCIATES INC3 Filed as: PLUMB & ASSOCIATES INC. | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $431 | $68 | $499 | 0.52% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $434 | — | $434 | 0.46% |
| JOHN B YARBOROUGH3 Filed as: JOHN B. YARBOROUGH | 1113 MOUNTAIN OAKS DRIVE HOOVER, AL 35226 | AFLAC | $262 | — | $262 | 0.28% |
| SHAWN K STEPHENS3 Filed as: SHAWN K. STEPHENS | 1323 GRAHAM TRACE LANE LEAGUE CITY, TX 77573 | AFLAC | $260 | — | $260 | 0.27% |
| ROY MANGUM3 Filed as: ROY W. MANGUM | 109 GULLAN SMITHFIELD, VA 23430 | AFLAC | $254 | — | $254 | 0.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NV KENNESAW, GA 30152 | AFLAC | $208 | — | $208 | 0.22% |
| YARBOROUGH AND YARBOROUGH INC3 Filed as: YARBOROUGH AND YARBOROUGH INC. | 4035 HEUTTE DRIVE NORFOLK, VA 23518 | AFLAC | $169 | — | $169 | 0.18% |
| BRANDON SHOLAR3 Filed as: BRANDON W. SHOLAR | 4608 WESTGROVE COURT VIRGINIA BEACH, VA 23455 | AFLAC | $167 | — | $167 | 0.18% |
| NELSON C JANNEY3 Filed as: NELSON C. JANNEY | PO BOX 218 CLOVERDALE, VA 24077 | AFLAC | $130 | — | $130 | 0.14% |
| DONALD B ORRELL3 Filed as: DONALD B. ORRELL | 1581 CHERRY GROVE RD N SUFFOLK, VA 23432 | AFLAC | $93 | — | $93 | 0.10% |
| DONNA WETHERINGTON3 Filed as: DONNA S. WETHERINGTON | 5068 LAUDERDALE AVENUE VIRGINIA BEACH, VA 23455 | AFLAC | $66 | — | $66 | 0.07% |
| DUANE A ADAMS3 Filed as: DUANE A. ADAMS | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $57 | — | $57 | 0.06% |
| RICHARD J KRESINSKE3 Filed as: RICHARD J. KRESINSKE | 4004 ATLANTIC AVENUE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $44 | — | $44 | 0.05% |
| FRANKLIN L JESTER3 Filed as: FRANKLIN L. JESTER | PO BOX 654 FRANKLIN, VA 23851 | AFLAC | $40 | — | $40 | 0.04% |
| FRANK MEEKS JR3 Filed as: FRANK E. MEEKS JR. | 105 RYAN DRIVE MACON, GA 31216 | AFLAC | $37 | — | $37 | 0.04% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R. HILL SR. | 9701 GAYTON ROAD SUITE 6 RICHMOND, VA 23238 | AFLAC | $32 | — | $32 | 0.03% |
| ROBIN PRICE3 Filed as: ROBIN EUGENIA PRICE | 3059 ANASTASIA COURT APOPKA, FL 32703 | AFLAC | $28 | — | $28 | 0.03% |
| AUBREY W THOMAS3 Filed as: AUBREY W. THOMAS | 32627 THE OLD ROAD CASTAIC, CA 91384 | AFLAC | $27 | — | $27 | 0.03% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $22 | — | $22 | 0.02% |
| SHEILA L RAITCH3 Filed as: SHEILA L. RAITCH | 5524 LIBER CT GAINESVILLE, VA 20155 | AFLAC | $18 | — | $18 | 0.02% |
| JUDITH GUNNELLS3 | 144 BUKINGHAM PLACE MACON, GA 31204 | AFLAC | $18 | — | $18 | 0.02% |
| LORI H RICHARDSON3 Filed as: LORI H. RICHARDSON | 3730 SAPPHIRE DRIVE AUGUSTA, GA 30907 | AFLAC | $17 | — | $17 | 0.02% |
| GREGORY D HILL3 Filed as: GREGORY D. HILL | 16142 SWALLOWTIL PL MIDLOTHIAN, VA 23113 | AFLAC | $16 | — | $16 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $14 | — | $14 | 0.01% |
| LAVONNE P. ELLIS3 | 917 MAINS CREEK ROAD CHESAPEAKE, VA 23320 | AFLAC | $14 | — | $14 | 0.01% |
| RONALD A DASHKOVITZ3 Filed as: RONALD A. DASHKOVITZ | 20 MILLPOND TRAIL SAGINAW, MI 48603 | AFLAC | $13 | — | $13 | 0.01% |
| WILLIAM FARMER3 Filed as: WILLIAM G. FARMER | 4931 RIVERSIDE DRIVE SUITE 100 C MACON, GA 31210 | AFLAC | $12 | — | $12 | 0.01% |
| LAWRENCE WAYNE CROCKER3 | 212 CHEYENNE ROAD VIRGINIA BEACH, VA 23462 | AFLAC | $11 | — | $11 | 0.01% |
| CHRISTOPHER PARSONS3 | 193 BEACH ROAD POQOUSON, VA 23662 | AFLAC | $10 | — | $10 | 0.01% |
| ROY D MUNSTER3 Filed as: ROY D. MUNSTER | PO BOX 5634 GLEN ALLEN, VA 23058 | AFLAC | $9 | — | $9 | 0.01% |
| LINDSEY JO MARTIN3 | 1450 N. ULMER STREET GREENWOOD, AR 72936 | AFLAC | $6 | — | $6 | 0.01% |
| REBECCA NEWSOME3 Filed as: REBECCA E. NEWSOME | 2603 WOODBLUFF CIR AUGUSTA, GA 30909 | AFLAC | $5 | — | $5 | 0.01% |
| JEANNETTE E FATHERREE3 Filed as: JEANNETTE E. FATHERREE | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $5 | — | $5 | 0.01% |
| J BECK INC3 Filed as: J. BECK INC. | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $5 | — | $5 | 0.01% |
| JASON B WEST3 Filed as: JASON B. WEST | 1701 BASS ROAD STE 200 MACON, GA 31210 | AFLAC | $4 | — | $4 | 0.00% |
| HORTENSE HANCOCK3 | PO BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $4 | — | $4 | 0.00% |
| CHERI FRAME3 Filed as: CHERI G. FRAME | 4790 OXFORD ROAD MACON, GA 31210 | AFLAC | $4 | — | $4 | 0.00% |
| MARY YARBOROUGH3 Filed as: MARY M. YARBOROUGH | 4035 HEUTTE DRIVE NORFOLK, VA 23518 | AFLAC | $3 | — | $3 | 0.00% |
| GEORGE BROWNING JR.3 Filed as: GEORGE L. BROWNING JR. | PO BOX 8188 VIRGINIA BEACH, VA 23450 | AFLAC | $3 | — | $3 | 0.00% |
| MARK D LUTHER3 Filed as: MARK D. LUTHER | 804 MOOREFIELD PARK DR STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $2 | — | $2 | 0.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3300 BLDG STE 200 397 LITTLENECK RO VIRGINIA BEACH, VA 23452 | AFLAC | $2 | — | $2 | 0.00% |
| TOWER BENEFIT CONSULTANTS3 | 582 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $1K | $13K | 16.65% |
| TOWER BENEFIT CONSULTANTS3 | 582 LYNNHAVE PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $1K | $13K | 16.58% |
| TOWER BENEFIT CONSULTANTS3 | 582 LYYHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $750 | $8K | 16.59% |
| TOWER BENEFITS3 | 582 LYNNHAVE PARKWAY #200 VIRGINIA BEACH, VA 23452 | EYE MED | $2K | — | $2K | 7.20% |
| TOWER BENEFIT CONSULTANTS3 | 582 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $996 | $147 | $1K | 17.21% |
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 | 384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 300 | $2.6M |
| Dental | DOMINION NATIONAL | 298 | $172K |
| Vision | EYE MED | 356 | $25K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 384 | $79K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 384 | $78K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 384 | $47K |
| Other(4 contracts, 4 carriers) | AFLAC | 384 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.