| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DESIGN BENEFITS INC3 | PO BOX 6009 CHARLOTTESVILLE, VA 22906 | HARTFORD LIFE AND ACCIDENT | $14K | $4K | $18K | 19.38% |
| DESIGN BENEFITS INC3 | PO BOX 6009 CHARLOTTESVILLE, VA 22906 | HARTFORD LIFE AND ACCIDENT | $12K | $4K | $16K | 20.15% |
| FLORENCE A ADAMS3 | PO BOX 54 PRATTS, VA 22731 | AFLAC | $2K | $165 | $2K | 4.96% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $680 | — | $680 | 1.43% |
| ANGELA T ADAMS3 | PO BOX 495 MADISON, VA 22727 | AFLAC | $543 | — | $543 | 1.14% |
| LISA M STINNETT3 | 4136 OLD SPRINGFIELD ROAD GLEN ALLEN, VA 23060 | AFLAC | $257 | — | $257 | 0.54% |
| GENIA ANNE TENCH3 | 804 MOOREFIELD PARK DRIVE SUITE 108 RICHMOND, VA 23236 | AFLAC | $188 | $37 | $225 | 0.47% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CIRCLE GLEN ALLEN, VA 23059 | AFLAC | $210 | — | $210 | 0.44% |
| ANGELA T ADAMS3 | PO BOX 495 MADISON, VA 22727 | AFLAC | $187 | $20 | $207 | 0.44% |
| ANGELA DUNN3 | 3750 CRAB ORCHARD ROAD KEYSVILLE, VA 23947 | AFLAC | $115 | $37 | $152 | 0.32% |
| RONALD W MARTIN3 | PO BOX 3986 CHESTER, VA 23831 | AFLAC | $150 | — | $150 | 0.32% |
| STEPHANIE MONDRAGON3 | 7454 SOUTHWIND DRIVE APARTMENT 204 CHESTERFIELD, VA 23832 | AFLAC | $136 | — | $136 | 0.29% |
| SHANE ANDY KINNER3 | 10129 ASHLEY MANOR LANE MECHANICSVILLE, VA 23116 | AFLAC | $135 | — | $135 | 0.28% |
| SARAH H MCNEMAR3 | 1123 PELHAM STREET CULPEPER, VA 22701 | AFLAC | $129 | — | $129 | 0.27% |
| THOMAS ROBINSON3 Filed as: THOMAS H ROBINSON | 81 COTTAGE COURT GORDONSVILLE, VA 22942 | AFLAC | $90 | — | $90 | 0.19% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $82 | — | $82 | 0.17% |
| CHRISTOPHER PARSONS3 | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $82 | — | $82 | 0.17% |
| MARGARET P WEEKLEY3 | 172 ROSEN LANE STAUNTON, VA 24401 | AFLAC | $60 | — | $60 | 0.13% |
| MARK D LUTHER3 | 1400 MAIN STREET APARTMENT 610 CANONSBURG, PA 15317 | AFLAC | $58 | — | $58 | 0.12% |
| DANIEL M SMITH3 | 12820 WEST CREEK PARKWAY SUITE K RICHMOND, VA 23238 | AFLAC | $53 | — | $53 | 0.11% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CIRCLE GLEN ALLEN, VA 23059 | AFLAC | $50 | — | $50 | 0.11% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $40 | — | $40 | 0.08% |
| CHRISTOPHER W ROBERTS3 | 5624 TRAIL RIDE DRIVE MOSELEY, VA 23120 | AFLAC | $37 | — | $37 | 0.08% |
| ELIZABETH A COOK MILLER3 | 86 OLD LAUREL HILL ROAD VERONA, VA 24482 | AFLAC | $33 | — | $33 | 0.07% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $26 | — | $26 | 0.05% |
| CHARLES W HARLAN3 | 5917 MEADOWOOD ROAD BALTIMORE, MD 21212 | AFLAC | $25 | — | $25 | 0.05% |
| BRITTA MARTIN3 | PO BOX 3986 CHESTER, VA 23831 | AFLAC | $20 | — | $20 | 0.04% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $17 | — | $17 | 0.04% |
| SUSAN N ADAMS3 | 10015 WEST BROAD STREET GLEN ALLEN, VA 23060 | AFLAC | $16 | — | $16 | 0.03% |
| RICHARD L MARTIN3 | ROUTE 3 BOX 63 DILLWYN, VA 23936 | AFLAC | $16 | — | $16 | 0.03% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $16 | — | $16 | 0.03% |
| GEORGE O GREENE3 | 10941 GRANADA ROAD RICHMOND, VA 23235 | AFLAC | $15 | — | $15 | 0.03% |
| DURWARD W HANCOCK JR3 | PO BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $12 | — | $12 | 0.03% |
| BENJAMIN O THOMPSON SR3 | 2012 GAMELAW COURT MIDLOTHIAN, VA 23113 | AFLAC | $12 | — | $12 | 0.03% |
| DARLENE H TUCKER3 | PO BOX 366 MADISON, VA 22727 | AFLAC | $10 | — | $10 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $9 | — | $9 | 0.02% |
| CHERRILYN D CHESTER3 | 2 CHAPARRAL DRIVE SANTA FE, NM 87508 | AFLAC | $7 | — | $7 | 0.01% |
| JEANNETTE E FATHERREE3 | 171 COUNTRY ROAD 1559 ALBA, TX 75410 | AFLAC | $6 | — | $6 | 0.01% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVENUE APARTMENT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $6 | — | $6 | 0.01% |
| CHRISTOPHER D LACKS3 | 4558 LITTLE RIDGE LANE CHESTERFIELD, VA 23832 | AFLAC | $6 | — | $6 | 0.01% |
| THOMAS E HATCHER JR3 | 1588 BAYTREE DRIVE HARRELLS, NC 28444 | AFLAC | $6 | — | $6 | 0.01% |
| JEFFREY N TUCKER3 | 5184 SOUTH SEMINOLE TRAIL PO BOX 366 MADISON, VA 22727 | AFLAC | $5 | — | $5 | 0.01% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $5 | — | $5 | 0.01% |
| BRITTA MARTIN3 | PO BOX 3986 CHESTER, VA 23831 | AFLAC | $5 | — | $5 | 0.01% |
| JEFFREY N TUCKER3 | 5184 SOUTH SEMINOLE TRAIL PO BOX 366 MADISON, VA 22727 | AFLAC | $5 | — | $5 | 0.01% |
| LANCE PITTMAN LLC3 | 125 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $4 | — | $4 | 0.01% |
| STEVEN KAISER3 | 9511 VIRA DRIVE RALEIGH, NC 27617 | AFLAC | $4 | — | $4 | 0.01% |
| DANIEL E ALTMIRE3 | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $3 | — | $3 | 0.01% |
| WILSON K BARNES JR3 | 4 SAINT MICHAELS WAY BALTIMORE, MD 21212 | AFLAC | $3 | — | $3 | 0.01% |
| DANIELE E ALTMIRE3 | 12800 MIDDLEBROOK ROAD SUITE 490 GERMANTOWN, MD 20874 | AFLAC | $3 | — | $3 | 0.01% |
| STEVEN KAISER3 Filed as: STEVEN WILLIAM KAISER | 6447 IVY SPRINGS DRIVE FLOWERY BRANCH, GA 30542 | AFLAC | $2 | — | $2 | 0.00% |
| CHRIS LACKS3 | 4558 LITTLE RIDGE LANE CHESTERFIELD, VA 23832 | AFLAC | $2 | — | $2 | 0.00% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APARTMENT 7 FAYETTEVILLE, VA 28314 | AFLAC | $2 | — | $2 | 0.00% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES S RASNIC3 | 7601 STRATH ROAD RICHMOND, VA 23231 | AFLAC | $2 | — | $2 | 0.00% |
| RUSSELL TINNEY3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $2 | — | $2 | 0.00% |
| LANCE PITTMAN LLC3 Filed as: LANCE C PITTMAN | 125 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $2 | — | $2 | 0.00% |
| LINDSEY JO MARTIN3 | 1450 NORTH ULMER STREET GREENWOOD, AR 72936 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.00% |
| DESIGN BENEFITS INC3 | P.O. BOX 6009 CHARLOTTESVILLE, VA 22906 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $17K | — | $17K | 42.33% |
| DESIGN BENEFITS INC3 | P.O. BOX 6009 CHARLOTTESVILLE, VA 22906 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.71% |
| RK ASSET MANAGEMENT3 Filed as: ASSET MANAGEMENT GROUP, INC. | 3975 FAIR RIDGE DRIVE SUITE 225N FAIRFAX, VA 22033 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.03% |
| FLORENCE A ADAMS3 | PO BOX 54 PRATTS, VA 22731 | AFLAC | $946 | $76 | $1K | 6.92% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $197 | — | $197 | 1.33% |
| ANGELA T ADAMS3 | PO BOX 495 MADISON, VA 22727 | AFLAC | $165 | — | $165 | 1.12% |
| ANGELA T ADAMS3 | PO BOX 495 MADISON, VA 22727 | AFLAC | $75 | $10 | $85 | 0.58% |
| GENIA ANNE TENCH3 | 804 MOOREFIELD PARK DRIVE SUITE 108 RICHMOND, VA 23236 | AFLAC | $67 | $17 | $84 | 0.57% |
| ANGELA DUNN3 | 3750 CRAB ORCHARD ROAD KEYSVILLE, VA 23947 | AFLAC | $60 | $17 | $77 | 0.52% |
| SHANE ANDY KINNER3 | 10129 ASHLEY MANOR LANE MECHANICSVILLE, VA 23116 | AFLAC | $69 | — | $69 | 0.47% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CIRCLE GLEN ALLEN, VA 23059 | AFLAC | $67 | — | $67 | 0.45% |
| STEPHANIE MONDRAGON3 | 7454 SOUTHWIND DRIVE APARTMENT 204 CHESTERFIELD, VA 23832 | AFLAC | $45 | — | $45 | 0.30% |
| CHRISTOPHER W ROBERTS3 | 5624 TRAIL RIDE DRIVE MOSELEY, VA 23120 | AFLAC | $44 | — | $44 | 0.30% |
| JAMES S RASNIC3 | 7601 STRATH ROAD RICHMOND, VA 23231 | AFLAC | $38 | — | $38 | 0.26% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $38 | — | $38 | 0.26% |
| MARK D LUTHER3 | 1400 MAIN STREET APARTMENT 610 CANONSBURG, PA 15317 | AFLAC | $30 | — | $30 | 0.20% |
| CHRISTOPHER PARSONS3 | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $24 | — | $24 | 0.16% |
| THOMAS ROBINSON3 Filed as: THOMAS H ROBINSON | 81 COTTAGE COURT GORDONSVILLE, VA 22942 | AFLAC | $20 | — | $20 | 0.14% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $18 | — | $18 | 0.12% |
| WILLIAM F GATEWOOD3 | 8547 DEERFIELD ROAD MILLBORO, VA 24460 | AFLAC | $18 | — | $18 | 0.12% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CIRCLE GLEN ALLEN, VA 23059 | AFLAC | $16 | — | $16 | 0.11% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $10 | — | $10 | 0.07% |
| LANCE PITTMAN LLC3 | 125 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $8 | — | $8 | 0.05% |
| BENJAMIN O THOMPSON SR3 | 2012 GAMELAW COURT MIDLOTHIAN, VA 23113 | AFLAC | $6 | — | $6 | 0.04% |
| DURWARD W HANCOCK JR3 | PO BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $4 | — | $4 | 0.03% |
| LEWIS K GATHRIGHT JR3 | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $4 | — | $4 | 0.03% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $4 | — | $4 | 0.03% |
| LANCE PITTMAN LLC3 Filed as: LANCE C PITTMAN | 125 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $3 | — | $3 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $3 | — | $3 | 0.02% |
| DANIEL M SMITH3 | 12820 WEST CREEK PARKWAY SUITE K RICHMOND, VA 23238 | AFLAC | $3 | — | $3 | 0.02% |
| LEWIS K GATHRIGHT JR3 | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $1 | — | $1 | 0.01% |
| LINDSEY JO MARTIN3 | 1450 NORTH ULMER STREET GREENWOOD, AR 72936 | AFLAC | $1 | — | $1 | 0.01% |
| CHRIS LACKS3 | 4558 LITTLE RIDGE LANE CHESTERFIELD, VA 23832 | AFLAC | $1 | — | $1 | 0.01% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVENUE APARTMENT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $1 | — | $1 | 0.01% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 109 | $475K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 141 | $197K |
| Long-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 141 | $197K |
| Other(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 141 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.