| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOWER BENEFIT CONSULTANTS3 | 582 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH | — | $20K | $20K | 1.97% |
| TOWER BENEFIT CONSULTANTS3 Filed as: TOWER BENEFIT CONSULTANTS INC. | 582 LYNNHAVEN PARKWAY STE 200 VIRGINIA BEACH, VA 23452 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 8.32% |
| KENNETH W SHOLAR3 Filed as: KENNETH SHOLAR | 4808 WESTGROVE CT HAYGOOD EXECUTIVE PARK VIRGINIA BEACH, VA 23455 | AFLAC | $5K | $36 | $5K | 5.04% |
| SANDRA K REED3 Filed as: SANDRA GRAFF | 716 NORCOVA DRIVE CHESAPEAKE, VA 23320 | AFLAC | $2K | — | $2K | 1.92% |
| ELIZABETH ANNE BUCHANAN3 Filed as: ELIZABETH BUCHANAN | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $703 | — | $703 | 0.70% |
| SHERRY SHOLAR3 | PO BOX 3745 VIRGINIA BEACH, VA 23454 | AFLAC | $655 | — | $655 | 0.66% |
| G COX JR.3 Filed as: G. COX JR. | 6913 CALLE DE BANDOLEDO NAVARRE, FL 32566 | AFLAC | $630 | — | $630 | 0.63% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $501 | $7 | $508 | 0.51% |
| DAVID MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $464 | — | $464 | 0.47% |
| ROY MANGUM3 | 109 GULLAN SMITHFIELD, VA 23430 | AFLAC | $297 | — | $297 | 0.30% |
| SHAWN STEPHENS3 | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $266 | — | $266 | 0.27% |
| JOHN YARBOROUGH3 | 1113 MOUNTAIN OAKS DRIVE HOOVER, AL 35226 | AFLAC | $260 | — | $260 | 0.26% |
| PLUMB & ASSOCIATES INC3 Filed as: PLUMB & ASSOCIATES INC. | 3228 DEER PARK DR VIRGINIA BEACH, VA 23452 | AFLAC | $240 | $7 | $247 | 0.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $244 | — | $244 | 0.24% |
| BRANDON SHOLAR3 | 4608 WESTGROVE COURT VIRGINIA BEACH, VA 23455 | AFLAC | $180 | — | $180 | 0.18% |
| YARBOROUGH AND YARBOROUGH INC3 Filed as: YARBOROUGH AND YARBOROUGH INC. | 4035 HEUTTE DRIVE NORFOLK, VA 23518 | AFLAC | $180 | — | $180 | 0.18% |
| NELSON C JANNEY3 Filed as: NELSON JANNEY | PO BOX 218 CLOVERDALE, VA 24077 | AFLAC | $130 | — | $130 | 0.13% |
| DONALD B ORRELL3 Filed as: DONALD ORRELL | 1581 CHERRY GROVE RD N SUFFOLK, VA 23432 | AFLAC | $95 | — | $95 | 0.10% |
| DONNA WETHERINGTON3 | 5068 LAUDERDALE AVENUE VIRGINIA BEACH, VA 23455 | AFLAC | $78 | — | $78 | 0.08% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALL, VA 23059 | AFLAC | $59 | — | $59 | 0.06% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3300 BLDG STE 200 397 LITTLENECK ROAD VIRGINIA BEACH, VA 23452 | AFLAC | $53 | — | $53 | 0.05% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVENUE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $47 | — | $47 | 0.05% |
| FRANKS MEEKS JR.3 | 105 RYAN DRIVE MACON, GA 31216 | AFLAC | $44 | — | $44 | 0.04% |
| FRANKLIN JESTER3 | PO BOX 654 FRANKLIN, VA 23851 | AFLAC | $37 | — | $37 | 0.04% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $25 | — | $25 | 0.03% |
| ROBIN PRICE3 | 3059 ANASTASIA CT APOPKA, FL 32703 | AFLAC | $25 | — | $25 | 0.03% |
| JUDITH GUNNELLS3 | 144 BUCKINGHAM PLACE MACON, GA 31204 | AFLAC | $22 | — | $22 | 0.02% |
| AUBREY W THOMAS3 Filed as: AUBREY THOMAS | 32627 THE OLD RD CASTAIC, CA 91384 | AFLAC | $21 | — | $21 | 0.02% |
| LORI RICHARDSON3 | 3730 SAPPHIRE DRIVE AUGUSTA, GA 30907 | AFLAC | $20 | — | $20 | 0.02% |
| SHEILA L RAITCH3 Filed as: SHEILA RAITCH | 5524 LIBER CT GAINESVILLE, VA 20155 | AFLAC | $19 | — | $19 | 0.02% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $18 | — | $18 | 0.02% |
| AMELIA MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $16 | — | $16 | 0.02% |
| RONALD A DASHKOVITZ3 Filed as: RONALD DASHKOVITZ | 20 MILLPOND TRL SAGINAW, MI 48603 | AFLAC | $15 | — | $15 | 0.02% |
| LAWRENCE WAYNE CROCKER3 Filed as: LAWRENCE CROCKER | 212 CHEYENNE ROAD VIRGINIA BEACH, VA 23462 | AFLAC | $13 | — | $13 | 0.01% |
| ROY CHILDRESS3 Filed as: ROY MUNSTER | 8332 CHARING LANE GLEN ALLEN, VA 23059 | AFLAC | $8 | — | $8 | 0.01% |
| LINDSEY JO MARTIN3 Filed as: LINDSEY MARTIN | 1450 N ULMER ST GREENWOOD, AZ 72936 | AFLAC | $6 | — | $6 | 0.01% |
| HORTENSE HANCOCK3 | PO BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $5 | — | $5 | 0.01% |
| JASON WEST3 | 1701 BASS RD STE 200 MACON, GA 31210 | AFLAC | $5 | — | $5 | 0.01% |
| CHERI FRAME3 | 4790 OXFORD ROAD MACON, GA 31210 | AFLAC | $5 | — | $5 | 0.01% |
| REBECCA NEWSOME3 | 2603 WOODBLUFF CIRCLE AUGUSTA, GA 30909 | AFLAC | $5 | — | $5 | 0.01% |
| JEANNETTE FATHERREE3 | 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% |
| MARY YARBOROUGH3 | 4035 HEUTTE DR NORFOLK, VA 23518 | AFLAC | $4 | — | $4 | 0.00% |
| GEORGE BROWNING JR.3 | PO BOX 8188 VIRGINIA BEACH, VA 23450 | AFLAC | $4 | — | $4 | 0.00% |
| MARK D LUTHER3 Filed as: MARK LUTHER | 804 MOOREFIELD PARK DR STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $2 | — | $2 | 0.00% |
| TOWER BENEFIT CONSULTANTS3 | 582 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $14K | — | $14K | 14.95% |
| TOWER BENEFIT CONSULTANTS3 | 582 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 15.05% |
| TOWER BENEFIT CONSULTANTS | 582 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $8K | — | $8K | 15.00% |
| TOWER BENEFIT CONSULTANTS3 Filed as: TOWER BENEFIT CONSULTANTS INC. | 582 LYNNHAVEN PARKWAY #200 VIRGINIA BEACH, VA 23452 | EYE MED | $4K | — | $4K | 13.46% |
| TOWER BENEFIT CONSULTANTS3 | 582 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $1K | — | $1K | 14.99% |
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 | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 316 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 674 | $221K |
| Vision | EYE MED | 379 | $31K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $85K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICAN | 0 | $90K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICAN | 0 | $55K |
| Other(3 contracts, 3 carriers) | AFLAC | 87 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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."
No prospect flags tripped on this filing.