| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $58K | $70K | 2.01% |
| DEAN B GRIFFITH3 | 510 WINDY RIDGE RD FRONT ROYAL, VA 22630 | AFLAC | $10K | $499 | $11K | 11.72% |
| MAXIMILLION JOSEPH PRESS3 | 2400 VALLEY AVE STE 9 WINCHESTER, VA 22601 | AFLAC | $2K | $107 | $2K | 1.87% |
| DANA J A NORRIS3 | 4900 ZEPP RD MAURERTOWN, VA 22644 | AFLAC | $652 | $3 | $655 | 0.71% |
| RICHARD ALLEN BAILEY3 | 2400 VALLEY AVE LOWR LEVEL WINCHESTER, VA 22601 | AFLAC | $361 | $82 | $443 | 0.48% |
| MARK DARIAN ALLEN3 | 131 WEST ST STEPHENS CITY, VA 22655 | AFLAC | $411 | $23 | $434 | 0.47% |
| SUSAN L WILLIAMS3 | 510 WINDY RIDGE RD FRONT ROYAL, VA 22630 | AFLAC | $421 | $0 | $421 | 0.45% |
| JAMES A TAFT JR3 | 573 CANE RUN ST HARRODSBURG, KY 40330 | AFLAC | $327 | $0 | $327 | 0.35% |
| CHRISTOPHER MICHAEL REEDY3 | 14349 SENEDO RD MOUNT JACKSON, VA 22842 | AFLAC | $296 | $0 | $296 | 0.32% |
| THE WINCHESTER GROUP3 Filed as: THE WINCHESTER GROUP INC | 24 W PICCADILLY ST WINCHESTER, VA 22601 | AFLAC | $107 | $0 | $107 | 0.12% |
| SHEILA L RAITCH3 | 5524 LIBER CT GAINESVILLE, VA 20155 | AFLAC | $100 | $0 | $100 | 0.11% |
| ROBERT CARTER3 Filed as: ROBERT P CARTER | 95 BERKSHIRE DR FALLING WATERS, WV 25419 | AFLAC | $100 | $0 | $100 | 0.11% |
| AMY L LEDDON3 | 1033 HOTCHKISS PL FREDERICKSBURG, VA 22401 | AFLAC | $97 | $0 | $97 | 0.10% |
| BONNIE TAFT3 Filed as: BONNIE L TAFT | 573 CANE RUN ST HARRODSBURG, KY 40330 | AFLAC | $89 | $0 | $89 | 0.10% |
| SARAH H MCNEMAR3 | 1123 PELHAM ST CULPEPER, VA 22701 | AFLAC | $84 | $0 | $84 | 0.09% |
| DAVID N MORGAN3 | 240 BEVERLY HILLS CIR APT 532 LYNCHBURG, VA 24502 | AFLAC | $57 | $0 | $57 | 0.06% |
| ROBERT B LONG3 | 308 CIRCLE VIEW ROAD LURAY, VA 22835 | AFLAC | $49 | $0 | $49 | 0.05% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $48 | $0 | $48 | 0.05% |
| BANKERS INSURANCE LLC3 | 4490 COX RD GLEN ALLEN, VA 23060 | AFLAC | $47 | $0 | $47 | 0.05% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR MINERAL, VA 23117 | AFLAC | $43 | $0 | $43 | 0.05% |
| THOMAS ROBINSON3 Filed as: THOMAS H ROBINSON | 81 COTTAGE CT GORDONSVILLE, VA 22942 | AFLAC | $41 | $0 | $41 | 0.04% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LN VERONA, VA 24482 | AFLAC | $39 | $0 | $39 | 0.04% |
| TRACY DAVIS MYERS3 | 18201 EATON HOLLOW LN BROADWAY, VA 22815 | AFLAC | $38 | $0 | $38 | 0.04% |
| MILLER WILLIAMS JR3 | 1640 W COMMONWEALTH DR FRONT ROYAL, VA 22630 | AFLAC | $37 | $0 | $37 | 0.04% |
| JOHN PATTON3 | 730 BLACK OAK CIR CORONA, CA 92881 | AFLAC | $33 | $0 | $33 | 0.04% |
| LARRY WAYNE SHOWALTER3 | 2515 E MARKET ST STE E HARRISONBURG, VA 22801 | AFLAC | $32 | $0 | $32 | 0.03% |
| INTEGRITY INSURANCE AGENCY INC3 Filed as: INTEGRITY INSURANCE GROUP | 2515 E MARKET ST STE E HARRISONBURG, VA 22801 | AFLAC | $30 | $0 | $30 | 0.03% |
| DANIEL J LONG3 | 2345 YORK RD STE 101 TIMONIUM, MD 21093 | AFLAC | $25 | $0 | $25 | 0.03% |
| NEIL M MORGAN JR3 | 240 BEVERLY HILLS CIR APT 532 LYNCHBURG, VA 24502 | AFLAC | $23 | $0 | $23 | 0.02% |
| PAMELA SUE BYERS3 | 108 PIPIT CT LAKE FREDERICK, VA 22630 | AFLAC | $20 | $0 | $20 | 0.02% |
| JAMES D EDMONDS3 Filed as: JAMES C OGBURN JR | 581 GOLD CUR DRIVE WARRENTON, VA 20186 | AFLAC | $19 | $0 | $19 | 0.02% |
| DUANE A ADAMS3 Filed as: DUANE ALLEN ADAMS | 493 BAILEY DR LOUISA, VA 23093 | AFLAC | $15 | $0 | $15 | 0.02% |
| JEREMY A MCCOY3 | 2220 MIMS RD LURAY, VA 22835 | AFLAC | $14 | $0 | $14 | 0.02% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DR SALEM, VA 24153 | AFLAC | $13 | $0 | $13 | 0.01% |
| VICKY H KRESINSKE3 Filed as: VICKY H MANGAN | 3981 W STRATFORD RD VIRGINIA BEACH, VA 23455 | 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 | $9 | $0 | $9 | 0.01% |
| GREGORY D HILL3 Filed as: GREGORY DALE HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $6 | $0 | $6 | 0.01% |
| ROY WAYNE MANGUM3 | 109 GULLANE SMITHFIELD, VA 23430 | AFLAC | $5 | $0 | $5 | 0.01% |
| RICHARD L MARTIN3 | RT 3 BOX 63 DILLWYN, VA 23936 | AFLAC | $4 | $0 | $4 | 0.00% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DR HARRELLS, NC 28444 | AFLAC | $4 | $0 | $4 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL R MARTIN | 32 OLD HICKORY PITTSBORO, NC 27312 | AFLAC | $4 | $0 | $4 | 0.00% |
| THOMAS LEE TAYLOR3 | 43 EARNEST DR BLAIRSVILLE, GA 30512 | AFLAC | $3 | $0 | $3 | 0.00% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 240 BEVERLY HILLS CIR APT 532 LYNCHBURG, VA 24502 | 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 | $2 | $0 | $2 | 0.00% |
| STEPHEN D BEAMAN3 | 3201 HUNT CLUB LN NEW BERN, NC 28562 | AFLAC | $2 | $0 | $2 | 0.00% |
| RUSSELL W TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, NC 28314 | AFLAC | $2 | $0 | $2 | 0.00% |
| NICHOLAS WAGNER3 | 6000 FAIRVIEW RD STE 470 CHARLOTTE, NC 28210 | AFLAC | $1 | $0 | $1 | 0.00% |
| SABRINA ANN PARSONS3 | 1925 CUBA LN HAYES, VA 23072 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARY LEE NICHOLS3 | 2115 ARBOR VIEW CIR DIBERVILLE, MS 39540 | AFLAC | $0 | $0 | $0 | 0.00% |
| LINDSEY JO MARTIN3 | 1450 N ULMER ST GREENWOOD, AR 72936 | AFLAC | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 9.29% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 362 | $3.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 362 | $3.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 362 | $3.5M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 194 | $175K |
| Short-term disability | AFLAC | 76 | $93K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 194 | $83K |
| Other(2 contracts, 2 carriers) | AFLAC | 194 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.
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.