| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2975 REGENT BOULEVARD IRVING, TX 75063 | PRINCIPAL LIFE INSURANCE COMPANY | $83K | — | $83K | 12.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 10 SOUTH WACKER DRIVE, 17TH FLOOR CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203491 DALLAS, TX 75320 | DELTA DENTAL OF VIRGINIA | $45K | — | $45K | 8.00% |
| MJ INSURANCE3 Filed as: LOIS VEGA AND VARIOUS AGENTS | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $11K | — | $11K | 6.57% |
| DAVID E SHELL JR3 Filed as: DAVID SHELL, JR. | 102 MACTANLY PLACE, SUITE C STAUNTON, VA 24401 | AFLAC | $2K | — | $2K | 1.42% |
| ELIZABETH A COOK MILLER3 Filed as: ELIZABETH COOK MILLER | 86 OLD LAUREL HILL ROAD VERONA, VA 24482 | AFLAC | $2K | — | $2K | 1.17% |
| RICHARD L TUSING3 Filed as: RICHARD TUSING | 30 YORK COURT STAUNTON, VA 24401 | AFLAC | $2K | — | $2K | 1.00% |
| VICKIE LOSNES3 | 6146 BARTRAM VILLAGE DRIVE JACKSONVILLE, FL 32258 | AFLAC | $983 | — | $983 | 0.57% |
| BONNIE TAFT3 | 573 CANE STREET HARRODSBURG, KY 40330 | AFLAC | $949 | — | $949 | 0.55% |
| LARRY W SHOWALTER3 Filed as: LARRY W. SHOWALTER | 2515 EAST MARKET STREET, SUITE C HARRISONBURG, VA 22801 | AFLAC | $678 | — | $678 | 0.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 9020 STONEY POINT PARKWAY SUITE 200 RICHMOND, VA 23235 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 16.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 10 SOUTH WACKER DRIVE, 17TH FLOOR CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.32% |
| MJ INSURANCE3 Filed as: JEFF DALABA AND VARIOUS AGENTS | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $180 | — | $180 | 3.05% |
| MARY FRANCES CARLTON3 | 3824 HOGAN ROAD VERNON CENTER, NY 13477 | AFLAC | $139 | — | $139 | 2.36% |
| SCOTT W GAGE3 Filed as: SCOTT W. GAGE | PO BOX 1286 WEST SPRINGFIELD, MA 01090 | AFLAC | $66 | — | $66 | 1.12% |
| EDWARD D YATES JR3 Filed as: EDWARD D. YATES, JR. | 2063 COUNTRY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $63 | — | $63 | 1.07% |
| STEVEN E DALABA3 Filed as: STEVEN E. DALABA | 1215 PEBBLE MEADOWS DRIVE LEWISVILLE, NC 27023 | AFLAC | $57 | — | $57 | 0.97% |
| DAVID E SHELL JR3 Filed as: DAVID E. SHELL, JR. | 504 RAINBOW DRIVE STAUNTON, VA 24401 | AFLAC | $55 | — | $55 | 0.93% |
| MELVIN R JONES3 Filed as: MELVIN R. JONES | 3025 ELIOCH MANOR DRIVE POWHATAN, VA 23139 | AFLAC | $44 | — | $44 | 0.75% |
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 | 1,244 | 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) | 1,244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 2,075 | $563K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,557 | $669K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,557 | $669K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,557 | $669K |
| Other(3 contracts, 2 carriers) | AFLAC | 445 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,075 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.