| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOWER BENEFIT CONSULTANTS3 Filed as: TOWER BENEFIT CONSULTANTS INC. | 5520 GREEENWICH ROAD VIRGINIA BEACH, VA 23462 | CIGNA | $32K | — | $32K | 2.62% |
| TOWER BENEFIT CONSULTANTS3 Filed as: TOWER BENEFIT CONSULTANTS INC. | 5520 GREEENWICH ROAD VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $32K | — | $32K | 2.73% |
| TOWER BENEFIT CONSULTANTS3 Filed as: TOWER BENEFIT CONSULTANTS INC. | 5520 GREEENWICH ROAD VIRGINIA BEACH, VA 23462 | ANTHEM LIFE INSURANCE COMPANY | $36K | — | $36K | 15.31% |
| TOWER BENEFIT CONSULTANTS3 Filed as: TOWER BENEFIT CONSULTANTS INC. | 5520 GREEENWICH ROAD VIRGINIA BEACH, VA 23462 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 10.00% |
| KENNETH W SHOLAR3 Filed as: KENNETH W. SHOLAR | 4608 WESTGROVE COURT HAYGOOD EXECUTIVE PARK VIRGINIA BEACH, VA 23455 | AFLAC | $5K | $0 | $5K | 5.33% |
| SANDRA P CRAFF3 | 1702 SAND DOLLAR CIRCLE KITTY HAWK, NC 27949 | AFLAC | $2K | — | $2K | 2.06% |
| BRANDON SHOLAR3 Filed as: BRANDON W SHOLAR | 4608 WESTGROVE COURT VIRGINIA BEACH, VA 23455 | AFLAC | $736 | — | $736 | 0.87% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DR GLEN ALLEN, VA 23059 | AFLAC | $612 | — | $612 | 0.72% |
| G CARLTON COX JR3 Filed as: G. CARLTON COX JR. | 6913 CALLE DE BANDOLEDO NAVARRE, FL 32566 | AFLAC | $557 | — | $557 | 0.66% |
| SHERRY SHOLAR3 Filed as: SHERRY E. SHOLAR | 416 CARLISLE ROAD CHESAPEAKE, VA 23321 | AFLAC | $518 | — | $518 | 0.61% |
| NICHOLAS WAGNER3 | 1508 BACK COVE ROAD VIRGINIA BEACH, VA 23454 | AFLAC | $403 | — | $403 | 0.48% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $389 | — | $389 | 0.46% |
| ROY MANGUM3 Filed as: ROY W. MANGUM | 109 GULLANE SMITHFIELD, VA 23430 | AFLAC | $219 | — | $219 | 0.26% |
| SHAWN K STEPHENS3 Filed as: SHAWN K. STEPHENS | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $217 | — | $217 | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $191 | — | $191 | 0.23% |
| ANDREA L SHERMAN3 | 2428 ALMEDA AVENUE ST 300 NORFOLK, VA 23513 | AFLAC | $186 | — | $186 | 0.22% |
| JOHN B YARBOROUGH3 | 1113 MOUNTAIN OAKS DRIVE HOOVER, AL 35226 | AFLAC | $157 | — | $157 | 0.19% |
| PLUMB & ASSOCIATES INC3 Filed as: PLUMB & ASSOCIATES INC. | 3228 DEER PARK DR VIRGINIA BEACH, VA 23452 | AFLAC | $123 | — | $123 | 0.15% |
| YARBOROUGH AND YARBOROUGH INC3 Filed as: YARBOROUGH AND YARBOROUGH INC. | 4035 HEUTTE DRIVE NORFOLK, VA 23518 | AFLAC | $102 | — | $102 | 0.12% |
| DONALD B ORRELL3 Filed as: DONALD B. ORRELL | 1581 CHERRY GROVE RD N SUFFOLK, VA 23432 | AFLAC | $80 | — | $80 | 0.09% |
| DONNA WETHERINGTON3 Filed as: DONNA S. WETHERINGTON | 5068 LAUDERDALE AVENUE VIRGINIA BEACH, VA 23455 | AFLAC | $72 | — | $72 | 0.09% |
| NELSON C JANNEY3 | PO BOX 218 CLOVERDALE, VA 24077 | AFLAC | $69 | — | $69 | 0.08% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $51 | — | $51 | 0.06% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $42 | — | $42 | 0.05% |
| FRANK MEEKS JR3 Filed as: FRANK E MEEKS JR. | 105 RYAN DRIVE MACON, GA 31216 | AFLAC | $40 | — | $40 | 0.05% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $26 | — | $26 | 0.03% |
| SHEILA L RAITCH3 | 5224 LIBER CT GAINESVILLE, VA 20155 | AFLAC | $20 | — | $20 | 0.02% |
| FRANKLIN L JESTER3 | PO BOX 515 CARROLLTON, VA 23314 | AFLAC | $20 | — | $20 | 0.02% |
| LAWRENCE WAYNE CROCKER3 | 212 CHEYENNE ROAD VIRGINIA BEACH, VA 23462 | AFLAC | $19 | — | $19 | 0.02% |
| LORI H RICHARDSON3 Filed as: LORI H. RICHARDSON | 3730 SAPPHIRE DRIVE AUGUSTA, GA 30907 | AFLAC | $18 | — | $18 | 0.02% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $14 | — | $14 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $13 | — | $13 | 0.02% |
| WILLIAM FARMER3 Filed as: WILLIAM G. FARMER | 712 IRONGATE MACON, GA 31220 | AFLAC | $13 | — | $13 | 0.02% |
| AUBREY W THOMAS3 | 32627 THE OLD ROAD CASTAIC, CA 91384 | AFLAC | $8 | — | $8 | 0.01% |
| JEANNETTE E FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $7 | — | $7 | 0.01% |
| ROY D MUNSTER3 | 8332 CHARING LN GLEN ALLEN, VA 23059 | AFLAC | $7 | — | $7 | 0.01% |
| CHERI FRAME3 Filed as: CHERI G FRAME | 4790 OXFORD ROAD MACON, GA 31210 | AFLAC | $5 | — | $5 | 0.01% |
| REBECCA NEWSOME3 Filed as: REBECCA E. NEWSOME | 2603 WOODBLUFF CIR 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% |
| RONALD A DASHKOVITZ3 | 20 MILLPOND TRL SAGINAW, MI 48603 | AFLAC | $4 | — | $4 | 0.00% |
| JASON B WEST3 | 1701 BASS RD STE 200 MACON, GA 31210 | AFLAC | $4 | — | $4 | 0.00% |
| LINDSEY JO MARTIN3 | 1450 N. ULMER ST GREENWOOD, AZ 72936 | AFLAC | $4 | — | $4 | 0.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3300 BLDG. STE 200 397 LITTLENECK ROAD VIRGINIA BEACH, VA 23452 | AFLAC | $3 | — | $3 | 0.00% |
| GEORGE BROWNING JR. Filed as: GEORGE L BROWNING JR. | PO BOX 8188 VIRGINIA BEACH, VA 23450 | AFLAC | $3 | — | $3 | 0.00% |
| DURWARD W HANCOCK JR3 | PO BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $3 | — | $3 | 0.00% |
| MARK D LUTHER Filed as: MARK D. LUTHER | 804 MOOREFIELD PARK STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $1 | — | $1 | 0.00% |
| MARY YARBOROUGH3 | 4035 HEUTTE DRIVE NORFOLK, VA 23518 | AFLAC | $1 | — | $1 | 0.00% |
| TOWER BENEFIT CONSULTANTS3 Filed as: TOWER BENEFIT CONSULTANTS INC. | 5520 GREEENWICH ROAD VIRGINIA BEACH, VA 23452 | EYE MED VISION CARE | $3K | — | $3K | 9.24% |
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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | CIGNA | 257 | $2.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $171K |
| Vision | EYE MED VISION CARE | 349 | $31K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 335 | $232K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 335 | $232K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 335 | $232K |
| Other | AFLAC | 81 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.