| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH ST STE 500 ROCKVILLE, MD 208504178 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | $66K | $78K | 2.40% |
| INSURANCE CENTER OF WINCHESTER INC3 | PO BOX 3470 WINCHESTER, VA 226041170 | UNITED HEALTHCARE INSURANCE COMPANY | -$1 | $0 | -$1 | -0.00% |
| DEAN B GRIFFITH3 | 510 WINDY RIDGE RD FRONT ROYAL, VA 22630 | AFLAC | $14K | $1K | $15K | 15.32% |
| MAXIMILLION JOSEPH PRESS3 | 2400 VALLEY AVE STE 9 WINCHESTER, VA 22601 | AFLAC | $2K | $283 | $2K | 2.36% |
| MARK D ALLEN3 Filed as: MARK DARIAN ALLEN | 131 WEST ST STEPHENS CITY, VA 22655 | AFLAC | $955 | $157 | $1K | 1.11% |
| DANA J A NORRIS3 | 4900 ZEPP RD MAURERTOWN, VA 22644 | AFLAC | $747 | $125 | $872 | 0.87% |
| SUSAN L WILLIAMS3 | 510 WINDY RIDGE RD FRONT ROYAL, VA 22630 | AFLAC | $499 | $0 | $499 | 0.50% |
| JAMES A TAFT JR3 | 573 CANE RUN ST HARRODSBURG, KY 40330 | AFLAC | $362 | $0 | $362 | 0.36% |
| RICHARD ALLEN BAILEY3 | 2400 VALLEY AVE LOWR LEVEL WINCHESTER, VA 22601 | AFLAC | $361 | $0 | $361 | 0.36% |
| THE WINCHESTER GROUP3 Filed as: THE WINCHESTER GROUP INC | 24 W PICCADILLY ST WINCHESTER, VA 22601 | AFLAC | $259 | $0 | $259 | 0.26% |
| AMY L LEDDON3 | 1033 HOTCHKISS PL FREDERICKSBURG, VA 22401 | AFLAC | $220 | $0 | $220 | 0.22% |
| SHEILA L RAITCH3 | 5524 LIBER CT GAINESVILLE, VA 20155 | AFLAC | $109 | $0 | $109 | 0.11% |
| ROBERT CARTER3 Filed as: ROBERT P CARTER | 95 BERKSHIRE DR FALLING WATERS, WV 25419 | AFLAC | $108 | $0 | $108 | 0.11% |
| BONNIE L TAFT3 | 573 CANE RUN ST HARRODSBURG, KY 40330 | AFLAC | $97 | $0 | $97 | 0.10% |
| SARAH H MCNEMAR3 | 1123 PELHAM ST CULPEPER, VA 22701 | AFLAC | $91 | $0 | $91 | 0.09% |
| DAVID N MORGAN3 | 240 BEVERLY HILLS CIR APT 532 LYNCHBURG, VA 24502 | AFLAC | $63 | $0 | $63 | 0.06% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $59 | $0 | $59 | 0.06% |
| ROBERT B LONG3 | 308 CIRCLE VIEW ROAD LURAY, VA 22835 | AFLAC | $53 | $0 | $53 | 0.05% |
| BANKERS INSURANCE LLC3 | 4490 COX RD GLEN ALLEN, VA 23060 | AFLAC | $51 | $0 | $51 | 0.05% |
| LARRY W SHOWALTER3 | 2515 E MARKET ST STE E HARRISONBURG, VA 22801 | AFLAC | $47 | $0 | $47 | 0.05% |
| MARK WARE3 | 310 SHOREWOOD DR MINERAL, VA 23117 | AFLAC | $47 | $0 | $47 | 0.05% |
| THOMAS ROBINSON3 Filed as: THOMAS H ROBINSON | 81 COTTAGE CT GORDONSVILLE, VA 22942 | AFLAC | $44 | $0 | $44 | 0.04% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LN VERONA, VA 24482 | AFLAC | $43 | $0 | $43 | 0.04% |
| TRACY DAVIS MYERS3 | 18201 EATON HOLLOW LN BROADWAY, VA 22815 | AFLAC | $41 | $0 | $41 | 0.04% |
| DANIEL J LONG3 | 6100 CHEVY CHASE DR STE 102 LAUREL, MD 20707 | AFLAC | $41 | $0 | $41 | 0.04% |
| MILLER WILLIAMS JR3 | 1640 W COMMONWEALTH DR FRONT ROYAL, VA 22630 | AFLAC | $40 | $0 | $40 | 0.04% |
| INSGROUP INC3 Filed as: INTEGRITY INSURANCE GROUP LC | 2515 E MARKET ST STE E HARRISONBURG, VA 22801 | AFLAC | $39 | $0 | $39 | 0.04% |
| ANNE T. ALTIERI3 Filed as: ANNE T ALTIERI | 1033 WHITEHALL PL LEXINGTON, KY 40517 | AFLAC | $37 | $0 | $37 | 0.04% |
| JOHN PATTON3 | 730 BLACK OAK CIR CORONA, CA 92881 | AFLAC | $36 | $0 | $36 | 0.04% |
| NEIL M MORGAN JR3 | 240 BEVERLY HILLS CIR APT 532 LYNCHBURG, VA 24502 | AFLAC | $25 | $0 | $25 | 0.02% |
| PAMELA SUE BYERS3 | 108 PIPIT CT LAKE FREDERICK, VA 22630 | AFLAC | $22 | $0 | $22 | 0.02% |
| JAMES D EDMONDS3 Filed as: JAMES C OGBURN JR | 581 GOLD CUR DRIVE WARRENTON, VA 20186 | AFLAC | $20 | $0 | $20 | 0.02% |
| DUANE A ADAMS3 | 493 BAILEY DR LOUISA, VA 23093 | AFLAC | $18 | $0 | $18 | 0.02% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DR SALEM, VA 24153 | AFLAC | $17 | $0 | $17 | 0.02% |
| JEREMY A MCCOY3 | 2220 MIMS RD LURAY, VA 22835 | AFLAC | $15 | $0 | $15 | 0.01% |
| RICHARD L MARTIN3 | RT 3 BOX 63 DILLWYN, VA 23936 | AFLAC | $14 | $0 | $14 | 0.01% |
| VICKY H KRESINSKE3 Filed as: VICKY H MANGAN | 3981 W STRATFORD RD VIRGINIA BEACH, VA 23455 | AFLAC | $14 | $0 | $14 | 0.01% |
| JEFFERY S GIBSON3 Filed as: JEFFERY SCOTT GIBSON | 4030 TATES CREEK RD APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $14 | $0 | $14 | 0.01% |
| RAY CHAMBERS3 | 6054 SMOOTH STONE PL HAYMARKET, VA 20169 | AFLAC | $13 | $0 | $13 | 0.01% |
| LYNNE M WARE3 | 310 SHOREWOOD DR MINERAL, VA 23117 | AFLAC | $11 | $0 | $11 | 0.01% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $10 | $0 | $10 | 0.01% |
| JOHN A HAWLEY3 | 575 DOBBINS HOLLOW RD NE PILOT, VA 24138 | AFLAC | $10 | $0 | $10 | 0.01% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $7 | $0 | $7 | 0.01% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LN LEXINGTON, KY 40515 | AFLAC | $6 | $0 | $6 | 0.01% |
| ROY MANGUM3 Filed as: ROY W MANGUM | 109 GULLANE SMITHFIELD, VA 23430 | AFLAC | $5 | $0 | $5 | 0.00% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 240 BEVERLY HILLS CIR APT 532 LYNCHBURG, VA 24502 | AFLAC | $5 | $0 | $5 | 0.00% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DR HARRELLS, NC 28444 | AFLAC | $5 | $0 | $5 | 0.00% |
| MICHAEL R MARTIN3 | 32 OLD HICKORY PITTSBORO, NC 27312 | AFLAC | $4 | $0 | $4 | 0.00% |
| THOMAS LEE TAYLOR3 | 43 EARNEST DR BLAIRSVILLE, GA 30512 | AFLAC | $4 | $0 | $4 | 0.00% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, VA 28314 | AFLAC | $3 | $0 | $3 | 0.00% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $3 | $0 | $3 | 0.00% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $3 | $0 | $3 | 0.00% |
| STEPHEN BEAMAN3 | 3201 HUNT CLUB LN NEW BERN, NC 28562 | AFLAC | $3 | $0 | $3 | 0.00% |
| NICHOLAS WAGNER3 | 1508 BACK COVE RD VIRGINIA BEACH, VA 23454 | AFLAC | $1 | $0 | $1 | 0.00% |
| SABRINA ANN PARSONS3 | 1925 CUBA LN HAYES, VA 23072 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH ST STE 500 ROCKVILLE, MD 208504178 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 18.00% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 355 | $3.2M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 355 | $3.2M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 355 | $3.2M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 293 | $177K |
| Short-term disability | AFLAC | 81 | $101K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 293 | $77K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 355 | $3.2M |
| Other(2 contracts, 2 carriers) | AFLAC | 293 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.