| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE CENTER OF WINCHESTER INC3 | PO BOX 3470 WINCHESTER, VA 22604 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | $39K | $52K | 2.57% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORPORATION OF AM | 1410 SPRING HILL RD STE 150 MC LEAN, VA 22102 | ANTHEM LIFE INSURANCE COMPANY | $7K | — | $7K | 12.47% |
| DEAN B GRIFFITH3 | 510 WINDY RIDGE RD FRONT ROYAL, VA 22630 | AFLAC | $3K | $120 | $3K | 6.57% |
| SUSAN WILLIAMS3 | 510 WINDY RIDGE RD FRONT ROYAL, VA 22630 | AFLAC | $758 | $52 | $810 | 1.66% |
| JAMES A TAFT JR3 | 573 CANE RUN ST HARRODSBURG, KY 40330 | AFLAC | $418 | — | $418 | 0.86% |
| DANA J A NORRIS3 | 4900 ZEPP RD MAURERTOWN, VA 22644 | AFLAC | $292 | $40 | $332 | 0.68% |
| MAXIMILION JOSEPH PRESS3 | 924 W MASTERS DR CROSS JUNCTION, VA 22625 | AFLAC | $190 | $10 | $200 | 0.41% |
| BONNIE L TAFT3 | 573 CANE RUN ST HARRODSBURG, KY 40330 | AFLAC | $198 | — | $198 | 0.41% |
| ROBERT B LONG3 | 308 CIRCLE VIEW RD LURAY, VA 22835 | AFLAC | $159 | — | $159 | 0.33% |
| ROBERT CARTER3 Filed as: ROBERT P CARTER | 95 BERKSHIRE DR FALLING WATERS, WV 25419 | AFLAC | $146 | — | $146 | 0.30% |
| SHEILA L RAITCH3 | 5524 LIBER CT GAINESVILLE, VA 20155 | AFLAC | $100 | — | $100 | 0.21% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LN VERONA, VA 24482 | AFLAC | $98 | — | $98 | 0.20% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DR SALEM, VA 24153 | AFLAC | $65 | $30 | $95 | 0.20% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 COUNTY RD 106 FLORENCE, AL 35633 | AFLAC | $88 | — | $88 | 0.18% |
| SARAH H MCNEMAR3 | 1123 PELHAM ST CULPEPER, VA 22701 | AFLAC | $84 | — | $84 | 0.17% |
| AMY L LEDDON3 | PO BOX 3482 FREDERICKSBURG, VA 22402 | AFLAC | $81 | — | $81 | 0.17% |
| MARK WARE3 | 310 SHOREWOOD DR MINERAL, VA 23117 | AFLAC | $73 | — | $73 | 0.15% |
| LARRY W SHOWALTER3 | 2515 E MARKET ST STE E HARRISONBURG, VA 22801 | AFLAC | $68 | — | $68 | 0.14% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $65 | — | $65 | 0.13% |
| MIL-LIN INC3 | 1640 W COMMONWEALTH DR FRONT ROYAL, VA 22630 | AFLAC | $60 | — | $60 | 0.12% |
| THOMAS ROBINSON3 Filed as: THOMAS H ROBINSON | 81 COTTAGE CT GORDONSVILLE, VA 22942 | AFLAC | $48 | — | $48 | 0.10% |
| BANKERS INSURANCE LLC3 | 4490 COX RD GLEN ALLEN, VA 23060 | AFLAC | $47 | — | $47 | 0.10% |
| TRACY DAVIS MYERS3 | 18201 EATON HOLLOW LN BROADWAY, VA 22815 | AFLAC | $38 | — | $38 | 0.08% |
| TERRY J SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $38 | — | $38 | 0.08% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DR HARRELLS, NC 28444 | AFLAC | $37 | — | $37 | 0.08% |
| JOHN PATTON3 | 13497 EAGLE NEST CT CORONA, CA 92880 | AFLAC | $33 | — | $33 | 0.07% |
| MILLER WILLIAMS JR3 | 1640 W COMMONWEALTH DR FRONT ROYAL, VA 22630 | AFLAC | $30 | — | $30 | 0.06% |
| DANIEL J LONG3 | 6100 CHEVY CHASE DR STE 102 LAUREL, MD 20707 | AFLAC | $25 | — | $25 | 0.05% |
| NEIL M MORGAN JR3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $23 | — | $23 | 0.05% |
| PAMELA SUE BYERS3 | 10513 WINGED ELM CIR MANASSAS, VA 20110 | AFLAC | $20 | — | $20 | 0.04% |
| JAMES D EDMONDS3 Filed as: JAMES C OGBURN JR | 581 GOLD CUR DRIVE WARRENTON, VA 20186 | AFLAC | $19 | — | $19 | 0.04% |
| INSGROUP INC3 Filed as: INTEGRITY INSURANCE GROUP LC | 2515 E MARKET ST STE E HARRISONBURG, VA 22801 | AFLAC | $18 | — | $18 | 0.04% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $18 | — | $18 | 0.04% |
| AMY L LEDDON3 | PO BOX 191 SUMERDUCK, VA 22742 | AFLAC | $16 | — | $16 | 0.03% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $16 | — | $16 | 0.03% |
| RICHARD L MARTIN3 | RT 3 BOX 63 DILLWYN, VA 23936 | AFLAC | $15 | — | $15 | 0.03% |
| JEREMY A MCCOY3 | 2150 MIMS RD LURAY, VA 22835 | AFLAC | $14 | — | $14 | 0.03% |
| VICKY H KRESINSKE3 Filed as: VICKY H MANGAN | 3981 W STRATFORD RD VIRGINIA BEACH, VA 23455 | AFLAC | $13 | — | $13 | 0.03% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $12 | — | $12 | 0.02% |
| THOMAS LEE TAYLOR3 | 43 EARNEST DR BLAIRSVILLE, GA 30512 | AFLAC | $11 | — | $11 | 0.02% |
| LYNNE M WARE3 | 310 SHOREWOOD DR MINERAL, VA 23117 | AFLAC | $11 | — | $11 | 0.02% |
| ROBERT B LONG3 | 308 CIRCLE VIEW RD LURAY, VA 22835 | AFLAC | $9 | — | $9 | 0.02% |
| JOHN A HAWLEY3 | 575 DOBBINS HOLLOW RD NE PILOT, VA 24138 | AFLAC | $9 | — | $9 | 0.02% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LN HAYES, VA 23072 | AFLAC | $5 | — | $5 | 0.01% |
| ROY MANGUM3 Filed as: ROY W MANGUM | 109 GULLANE SMITHFIELD, VA 23430 | AFLAC | $5 | — | $5 | 0.01% |
| MICHAEL R MARTIN3 | 32 OLD HICKORY PITTSBORO, NC 27312 | AFLAC | $4 | — | $4 | 0.01% |
| LEWIS K GATHRIGHT JR3 | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $3 | — | $3 | 0.01% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $3 | — | $3 | 0.01% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $2 | — | $2 | 0.00% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $2 | — | $2 | 0.00% |
| STEPHEN BEAMAN3 | 3201 HUNT CLUB LN NEW BERN, NC 28562 | AFLAC | $2 | — | $2 | 0.00% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, VA 28314 | AFLAC | $2 | — | $2 | 0.00% |
| MARY LEE NICHOLS3 | 2115 ARBOR VIEW CIR DIBERVILLE, MS 39540 | AFLAC | $2 | — | $2 | 0.00% |
| NICHOLAS WAGNER3 | 1508 BACK COVE RD VIRGINIA BEACH, VA 23454 | AFLAC | $1 | — | $1 | 0.00% |
| SABRINA ANN PARSONS3 | 1925 CUBA LN HAYES, VA 23072 | AFLAC | $1 | — | $1 | 0.00% |
| LINDSEY JO MARTIN3 | 1450 N ULMER ST GREENWOOD, AR 72936 | AFLAC | $1 | — | $1 | 0.00% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORPORATION OF AM | 1410 SPRING HILL RD STE 150 MC LEAN, VA 22102 | ANTHEM HEALTH PLANS OF VIRGINIA INC | -$203 | — | -$203 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE CENTER OF WINCHESTER INC EIN 36-2739571 | Insurance agents and brokers Service code 22 | PO BOX 3470 WINCHESTER, VA 22604 | $19K |
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 | 252 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 252 | $2.1M |
| Dental(2 contracts, 2 carriers) | AFLAC | 57 | $49K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA INC | 0 | $0 |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 176 | $106K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 176 | $58K |
| Other | AFLAC | 57 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.