| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOWER BENEFIT CONSULTANTS3 Filed as: TOWER BENEFIT CONSULTANTS INC. | 582 LYNNHAVEN PARKWAY VIRGINIA BEACH, VA 23452 | UNITED HEALTHCARE INSURANCE COMPANY | — | $31K | $31K | 2.51% |
| ASSUREDPARTNERS3 Filed as: TOWER BENEIFT CONSULTANTS | 582 LYNNHAVEN PARKWAY ST 200 VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | — | $31K | $31K | 2.56% |
| TOWER BENEFIT CONSULTANTS3 Filed as: TOWER BENEFIT CONSULTANTS INC | 2117 SMITH AVENUE STE 101 CHESAPEAKE, VA 23320 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $28K | — | $28K | 12.00% |
| TOWER BENEFIT CONSULTANTS3 | 582 LYNNHAVEN PKWY STE 200 VIRGINIA BEACH, VA 23452 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $283 | $22K | 11.15% |
| KENNETH W SHOLAR3 Filed as: KENNETH SHOLAR | 4608 WESTGROVE CT HAYGOOD EXECUTIVE PARK VIRGINIA BEACH, VA 23455 | AFLAC | $4K | — | $4K | 4.92% |
| SANDRA P CRAFF3 Filed as: SANDRA CRAFF | 1702 SAND DOLLAR CIRCLE KITTY HAWK, NC 27949 | AFLAC | $2K | — | $2K | 2.09% |
| ELIZABETH ANNE BUCHANAN3 Filed as: ELIZABETH BUCHANAN | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $596 | — | $596 | 0.73% |
| G COX JR.3 | 6913 CALLE DE BANDOLEDO NAVARRE, FL 32566 | AFLAC | $520 | — | $520 | 0.64% |
| SHERRY SHOLAR3 | 416 CARLISLE ROAD CHESAPEAKE, VA 23321 | AFLAC | $506 | — | $506 | 0.62% |
| NICHOLAS WAGNER3 | 1508 BACK COVE ROAD VIRGINIA BEACH, VA 23454 | AFLAC | $390 | — | $390 | 0.48% |
| DAVID MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $387 | — | $387 | 0.48% |
| ROY MANGUM3 | 109 GULLANE SMITHFIELD, VA 23430 | AFLAC | $233 | — | $233 | 0.29% |
| SHAWN STEPHENS3 | 1323 GRAHAM TRACE LANE LEAGUE CITY, TX 77573 | AFLAC | $218 | — | $218 | 0.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $203 | — | $203 | 0.25% |
| JOHN YARBOROUGH3 | 1113 MOUNTAIN OAKS DRIVE HOOVER, AL 35226 | AFLAC | $182 | — | $182 | 0.22% |
| BRANDON SHOLAR3 | 4608 WESTGROVE CT VIRGINIA BEACH, VA 23455 | AFLAC | $160 | — | $160 | 0.20% |
| YARBOROUGH AND YARBOROUGH INC3 | 4035 HEUTTE DRIVE NORFOLK, VA 23518 | AFLAC | $133 | — | $133 | 0.16% |
| PLUMB & ASSOCIATES INC3 Filed as: PLUMB & ASSOCIATES INC. | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $133 | — | $133 | 0.16% |
| NELSON C JANNEY3 Filed as: NELSON JANNEY | PO BOX 218 CLOVERDALE, VA 24077 | AFLAC | $96 | — | $96 | 0.12% |
| DONALD B ORRELL3 Filed as: DONALD ORRELL | 1581 CHERRY GROVE RD N SUFFOLK, VA 23432 | AFLAC | $78 | — | $78 | 0.10% |
| DONNA WETHERINGTON3 | 5068 LAUDERDALE AVENUE VIRGINIA BEACH, VA 23455 | AFLAC | $66 | — | $66 | 0.08% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $50 | — | $50 | 0.06% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVENUE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $40 | — | $40 | 0.05% |
| FRANK MEEKS JR3 Filed as: FRANK MEEKS JR. | 105 RYAN DRIVE MACON, GA 31216 | AFLAC | $37 | — | $37 | 0.05% |
| FRANKLIN JESTER3 | PO BOX 654 FRANKLIN, VA 23851 | AFLAC | $31 | — | $31 | 0.04% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $25 | — | $25 | 0.03% |
| SHEILA L RAITCH3 Filed as: SHEILA RAITCH | 5524 LIBER CT GAINESVILLE, VA 20155 | AFLAC | $19 | — | $19 | 0.02% |
| JUDITH GUNNELLS3 Filed as: JUDITH GENNELLS | 144 BUCKINGHAM PLACE MACON, GA 31204 | AFLAC | $18 | — | $18 | 0.02% |
| LAWRENCE WAYNE CROCKER3 Filed as: LAWRENCE CROCKER | 212 CHEYENNE ROAD VIRGINIA BEACH, VA 23462 | AFLAC | $17 | — | $17 | 0.02% |
| LORI RICHARDSON3 | 3730 SAPPHIRE DRIVE AUGUSTA, GA 30607 | AFLAC | $17 | — | $17 | 0.02% |
| AUBREY W THOMAS3 Filed as: AUBREY THOMAS | 32627 THE OLD ROAD CASTAIC, CA 91384 | AFLAC | $17 | — | $17 | 0.02% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $15 | — | $15 | 0.02% |
| ROBIN PRICE3 | 3059 ANASTASIA COURT APOPKA, FL 32703 | AFLAC | $13 | — | $13 | 0.02% |
| AMELIA MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $13 | — | $13 | 0.02% |
| WILLIAM FARMER3 | 712 IRONGATE MACON, GA 31220 | AFLAC | $12 | — | $12 | 0.01% |
| RONALD A DASHKOVITZ3 Filed as: RONALD DASHKOVITZ | 20 MILLPOND TRAIL SAGINAW, MI 48603 | AFLAC | $8 | — | $8 | 0.01% |
| ROY CHILDRESS3 Filed as: ROY MUNSTER | 8332 CHARING LANE GLEN ALLEN, VA 23059 | AFLAC | $7 | — | $7 | 0.01% |
| JEANNETTE FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $6 | — | $6 | 0.01% |
| REBECCA NEWSOME3 | 2603 WOODBLUFF CIRCLE AUGUSTA, GA 30909 | AFLAC | $5 | — | $5 | 0.01% |
| J BECK INC3 Filed as: J BECK INC. | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $5 | — | $5 | 0.01% |
| LINDSEY JO MARTIN3 Filed as: LINDSEY MARTIN | 1450 N ULMER ST GREENWOOD, AZ 72936 | AFLAC | $5 | — | $5 | 0.01% |
| HORTENSE HANCOCK3 | PO BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $4 | — | $4 | 0.00% |
| JASON WEST3 | 1701 BASS ROAD ST 200 MACON, GA 31210 | AFLAC | $4 | — | $4 | 0.00% |
| CHERI FRAME3 | 4790 OXFORD ROAD MACON, GA 31210 | AFLAC | $4 | — | $4 | 0.00% |
| MARY YARBOROUGH3 | 4035 HEUTTE DRIVE NORFOLK, VA 23518 | AFLAC | $3 | — | $3 | 0.00% |
| GEORGE BROWNING JR.3 | PO BOX 8188 VIRGINIA BEACH, VA 23450 | AFLAC | $3 | — | $3 | 0.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3300 BLDG STE 200, 391 LITTLENECK R VIRGINIA BEACH, VA 23452 | AFLAC | $2 | — | $2 | 0.00% |
| MARK D LUTHER3 Filed as: MARK LUTHER | 804 MOOREFIELD PARK DRIVE ST 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $1 | — | $1 | 0.00% |
| TOWER BENEFIT CONSULTANTS3 Filed as: TOWER BENEFIT CONSULTANTS INC. | 582 LYNNHAVEN PKWY #200 VIRGINIA BEACH, VA 23452 | EYE MED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE GROUP | $276K | — | $276K | 894.83% |
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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 291 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 635 | $195K |
| Vision | EYE MED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE GROUP | 345 | $31K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY (G1400) | 378 | $231K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 378 | $231K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 378 | $231K |
| Other | AFLAC | 84 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.