| 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 | $84K | — | $84K | 12.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203491 DALLAS, TX 75320 | DELTA DENTAL OF VIRGINIA | $46K | — | $46K | 7.95% |
| MJ INSURANCE3 Filed as: LOIS VEGA AND VARIOUS AGENTS | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $10K | — | $10K | 6.78% |
| DAVID E SHELL JR3 Filed as: DAVID SHELL, JR. | 102 MACTANLY PLACE, SUITE C STAUNTON, VA 24401 | AFLAC | $2K | — | $2K | 1.46% |
| ELIZABETH A COOK MILLER3 Filed as: ELIZABETH COOK MILLER | 86 OLD LAUREL HILL ROAD VERONA, VA 24482 | AFLAC | $2K | — | $2K | 1.25% |
| RICHARD L TUSING3 Filed as: RICHARD L. TUSING | 30 YORK COURT STAUNTON, VA 24401 | AFLAC | $1K | — | $1K | 0.80% |
| VICKIE LOSNES3 | 6146 BARTRAM VILLAGE DRIVE JACKSONVILLE, FL 32258 | AFLAC | $801 | — | $801 | 0.56% |
| BONNIE TAFT3 | 573 CANE STREET HARRODSBURG, KY 40330 | AFLAC | $780 | — | $780 | 0.55% |
| LARRY W SHOWALTER3 Filed as: LARRY W. SHOWALTER | 2515 EAST MARKET STREET, SUITE C HARRISONBURG, VA 22801 | AFLAC | $547 | — | $547 | 0.39% |
| 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 | $16K | $3K | $19K | 23.82% |
| MJ INSURANCE3 Filed as: DAWNPELLERIN AND VARIOUS AGENTS | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $179 | — | $179 | 3.34% |
| MARYCARLTON3 | 3824 HOGAN ROAD VERNON CENTER, NY 13477 | AFLAC | $91 | — | $91 | 1.70% |
| SCOTT W GAGE3 Filed as: SCOTT W. GAGE | PO BOX 1 BOUCKVILLE, NY 13310 | AFLAC | $66 | — | $66 | 1.23% |
| EDWARD D YATES JR3 Filed as: EDWARD D. YATES, JR. | 2063 COUNTRY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $63 | — | $63 | 1.17% |
| STEVEN DALABA3 | 405 CRAVER POINTE DRIVE CLEMMONS, NC 27012 | AFLAC | $58 | — | $58 | 1.08% |
| DAVID E SHELL JR3 Filed as: DAVID SHELL, JR. | 504 RAINBOW DRIVE STAUNTON, VA 24401 | AFLAC | $50 | — | $50 | 0.93% |
| SUSAN W JONES3 Filed as: SUSAN JONES | 236 WEST REXFORD DRIVE BEVERLY HILLS, FL 34465 | AFLAC | $44 | — | $44 | 0.82% |
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 | 1,498 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AFLAC | 209 | $147K |
| Dental | DELTA DENTAL OF VIRGINIA | 1,969 | $574K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,498 | $676K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,498 | $676K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,498 | $676K |
| Other(3 contracts, 2 carriers) | AFLAC | 409 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,969 | — |
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.