| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORP. OF AMERICA | 1410 SPRING HILL RD, STE 150 MCLEAN, VA 22102 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $27K | — | $27K | 1.75% |
| INSURANCE CENTER OF WINCHESTER INC3 Filed as: INSURANCE CENTER OF WINCHESTER | 728 S LOUDOUN ST WINCHESTER, VA 22601 | HUMANA | $6K | — | $6K | 5.86% |
| DEAN B GRIFFITH3 Filed as: DEAN B. GRIFFITH | 510 WINDY RIDGE RD FRONT ROYAL, VA 22630 | AFLAC | $4K | $91 | $4K | 7.94% |
| SUSAN L WILLIAMS3 Filed as: SUSAN L. WILLIAMS | 510 WINDY RIDGE RD FRONT ROYAL, VA 22630 | AFLAC | $3K | $65 | $3K | 5.53% |
| JAMES A TAFT JR3 Filed as: JAMES A. TAFT, JR. | 179 HOLSTEIN LN TOMS BROOK, VA 22660 | AFLAC | $1K | — | $1K | 1.96% |
| ROBERT CARTER | 95 BERKSHIRE DR FALLING WATERS, WV 25419 | AFLAC | $683 | — | $683 | 1.21% |
| BONNIE L TAFT3 Filed as: BONNIE L. TAFT | 179 HOLSTEIN LN TOMS BROOK, VA 22660 | AFLAC | $368 | — | $368 | 0.65% |
| ROBERT B LONG3 Filed as: ROBERT B. LONG | 308 CIRCLE VIEW RD LURAY, VA 22835 | AFLAC | $169 | — | $169 | 0.30% |
| LARRY W SHOWALTER3 Filed as: LARRY W. SHOWALTER | 2515 EAST MARKET ST STE E HARRISONBURG, VA 22801 | AFLAC | $134 | $26 | $160 | 0.28% |
| BOYD GLOVER JR3 Filed as: BOYD M. GLOVER, JR. | 69 MOORCLIFFE LN VERONA, VA 24482 | AFLAC | $159 | — | $159 | 0.28% |
| MIL-LIN INC3 | 1640 COMMONWEALTH DR W FRONT ROYAL, VA 22630 | AFLAC | $158 | — | $158 | 0.28% |
| AMY LEDDON | PO BOX 191 SUMERDUCK, VA 22742 | AFLAC | $93 | $52 | $145 | 0.26% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PL MANAKIN SABOT, VA 22835 | AFLAC | $123 | — | $123 | 0.22% |
| MARK WARE3 | 310 SHOREWOOD DR MINERAL, VA 23117 | AFLAC | $112 | — | $112 | 0.20% |
| SHEILA L RAITCH3 Filed as: SHEILA L. RAITCH | 5524 LIBER CT GAINESVILLE, VA 20155 | AFLAC | $100 | — | $100 | 0.18% |
| SARAH H MCNEMAR3 Filed as: SARAH H. MCNEMAR | 1123 PELHAM ST CULPEPER, VA 22701 | AFLAC | $84 | — | $84 | 0.15% |
| TERRY J SILVERS3 Filed as: TERRY J. SILVERS | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $72 | — | $72 | 0.13% |
| RICKY E ROBINSON3 Filed as: RICKY E. ROBINSON | 934 SWEENY DR STE 1 HAGERSTOWN, MD 21740 | AFLAC | $67 | — | $67 | 0.12% |
| THOMAS E HATCHER JR3 Filed as: THOMAS E. HATCHER, JR. | 1588 BAY TREE DR HARRELLS, NC 28444 | AFLAC | $64 | — | $64 | 0.11% |
| THOMAS ROBINSON3 Filed as: THOMAS H. ROBINSON | 81 COTTAGE CT GORDONSVILLE, VA 22942 | AFLAC | $60 | — | $60 | 0.11% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R. HILL, SR. | 12820 WEST CREEK PKWY RICHMOND, VA 23238 | AFLAC | $45 | — | $45 | 0.08% |
| BANKERS INSURANCE LLC | 4490 COX RD GLEN ALLEN, VA 23060 | AFLAC | $45 | — | $45 | 0.08% |
| DANIEL J LONG Filed as: DANIEL LONG | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $25 | $15 | $40 | 0.07% |
| VARIOUS (UNDER 5 INCREMENTS)3 | VARIOUS WINCHESTER, VA 22603 | AFLAC | $31 | $2 | $33 | 0.06% |
| DANA J A NORRIS3 Filed as: DANA J. A. NORRIS | 4900 ZEPP RD MAURERTOWN, VA 22644 | AFLAC | $25 | — | $25 | 0.04% |
| FRANCES SHAFFER3 Filed as: FRANCES M. SHAFFER | 14025 TOWER RD SMITHSBURG, MD 21783 | AFLAC | $25 | — | $25 | 0.04% |
| NEIL M MORGAN JR3 Filed as: NEIL M. MORGAN, JR | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $23 | — | $23 | 0.04% |
| DAVID E SHELL JR3 Filed as: DAVID E. SHELL, JR. | 102 MACTANLY PL STE C STAUNTON, VA 24401 | AFLAC | $21 | — | $21 | 0.04% |
| PAMELA SUE BYERS3 | 10513 WINGED ELM CIR MANASSAS, VA 20110 | AFLAC | $20 | — | $20 | 0.04% |
| RICHARD L MARTIN3 Filed as: RICHARD L. MARTIN | RT 3 BOX 63 DILLWYN, VA 23936 | AFLAC | $19 | — | $19 | 0.03% |
| JAMES OGBURN III | 575 LOCKSLEY HALL RD REEDVILLE, VA 22539 | AFLAC | $19 | — | $19 | 0.03% |
| RUEANN M EMERSON3 Filed as: RUEANN M. EMERSON | 4820 LAKE BROOK DR STE 125 GLEN ALLEN, VA 23060 | AFLAC | $17 | — | $17 | 0.03% |
| MARK JOHNSTON3 Filed as: MARK A. JOHNSTON | 934 SWEENEY DR STE 8 HAGERSTOWN, MD 21740 | AFLAC | $15 | — | $15 | 0.03% |
| DAVID PETERS3 Filed as: DAVID B. PETERS | 12030 GREENDALE DR HAGERSTOWN, MD 21742 | AFLAC | $14 | — | $14 | 0.02% |
| DUANE A ADAMS Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $10 | $2 | $12 | 0.02% |
| THOMAS LEE TAYLOR3 Filed as: THOMAS L. TAYLOR | 1038 GWENS TR SW LILBURN, GA 30047 | AFLAC | $11 | — | $11 | 0.02% |
| LYNNE M WARE3 Filed as: LYNNE M. WARE | 310 SHOREWOOD DR MINERAL, VA 23117 | AFLAC | $11 | — | $11 | 0.02% |
| RICHARD KRESINSKE | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $7 | — | $7 | 0.01% |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 159 | $1.6M |
| Dental | HUMANA | 168 | $95K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 159 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | HUMANA | 168 | $151K |
| Short-term disability | AFLAC | 60 | $57K |
| Other | AFLAC | 60 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.