| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DESIGN BENEFITS INC3 | PO BOX 6009 CHARLOTTESVILLE, VA 22906 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 13.62% |
| DESIGN BENEFITS INC3 | PO BOX 6009 CHARLOTTESVILLE, VA 22906 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| FLORENCE A ADAMS3 | PO BOX 54 PRATTS, VA 22731 | AFLAC | $2K | $35 | $2K | 5.28% |
| ANGELA T ADAMS3 | PO BOX 495 MADISON, VA 22727 | AFLAC | $797 | $75 | $872 | 2.14% |
| STEPHANIE SHEPPA3 Filed as: STEPHANIE VANHOUTEN | 189 RIVER PLACE DUNNSVILLE, VA 22454 | AFLAC | $453 | $26 | $479 | 1.18% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $441 | — | $441 | 1.08% |
| JOSHUA C BURTON3 | 2819 NORTH PARHAM ROAD SUITE 240 RICHMOND, VA 23294 | AFLAC | $263 | $26 | $289 | 0.71% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CIRCLE GLEN ALLEN, VA 23059 | AFLAC | $197 | — | $197 | 0.48% |
| LISA M STINNETT3 | 4136 OLD SPRINGFIELD ROAD GLEN ALLEN, VA 23060 | AFLAC | $142 | — | $142 | 0.35% |
| SHANE ANDY KINNER3 | 10129 ASHLEY MANOR LANE MECHANICSVILLE, VA 23116 | AFLAC | $117 | — | $117 | 0.29% |
| SARAH H MCNEMAR3 | 1123 PELHAM STREET CULPEPER, VA 22701 | AFLAC | $76 | — | $76 | 0.19% |
| MARGARET P WEEKLEY3 | 172 ROSEN LANE STAUNTON, VA 24401 | AFLAC | $71 | — | $71 | 0.17% |
| DAVID N MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $57 | — | $57 | 0.14% |
| THOMAS ROBINSON3 Filed as: THOMAS H ROBINSON | 81 COTTAGE COURT GORDONSVILLE, VA 22942 | AFLAC | $56 | — | $56 | 0.14% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $54 | — | $54 | 0.13% |
| RONALD W MARTIN3 | 13312 CHESDIN LANDING DRIVE CHESTERFIELD, VA 23838 | AFLAC | $53 | — | $53 | 0.13% |
| ELIZABETH A COOK MILLER3 | 86 OLD LAUREL HILL ROAD VERONA, VA 24482 | AFLAC | $39 | — | $39 | 0.10% |
| MARK D LUTHER3 | 300 LOOP ROAD SHERWOOD, AA 72120 | AFLAC | $39 | — | $39 | 0.10% |
| GENIA ANNE TENCH3 | 542 KING WILLIAM ROAD HANOVER, VA 23069 | AFLAC | $37 | — | $37 | 0.09% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AFLAC | $30 | — | $30 | 0.07% |
| BRITTA MARTIN3 | 13312 CHESDIN LANDING DRIVE CHESTERFIELD, VA 23838 | AFLAC | $29 | — | $29 | 0.07% |
| CHARLES W HARLAN3 | 5917 MEADOWOOD ROAD BALTIMORE, MD 21212 | AFLAC | $29 | — | $29 | 0.07% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $28 | — | $28 | 0.07% |
| ANGELA DUNN3 | 3750 CRAB ORCHARD ROAD KEYSVILLE, VA 23947 | AFLAC | $20 | — | $20 | 0.05% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $20 | — | $20 | 0.05% |
| SUSAN N ADAMS3 | 2807 NORTH PARHAM ROAD SUITE 380 HENRICO, VA 23294 | AFLAC | $19 | — | $19 | 0.05% |
| GEORGE O GREENE3 | 10941 GRANADA ROAD RICHMOND, VA 23235 | AFLAC | $18 | — | $18 | 0.04% |
| GERGORY D HILL3 | 16142 SWALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $17 | — | $17 | 0.04% |
| DANIEL M SMITH3 | 12820 WEST CREEK PARKWAY SUITE K RICHMOND, VA 23238 | AFLAC | $13 | — | $13 | 0.03% |
| DARLENE H TUCKER3 | PO BOX 366 MADISON, VA 22727 | AFLAC | $12 | — | $12 | 0.03% |
| JEFFREY N TUCKER3 | PO BOX 366 5184 SOUTH SEMINOLE TRAIL MADISON, VA 22727 | AFLAC | $12 | — | $12 | 0.03% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $11 | — | $11 | 0.03% |
| BENJAMIN O THOMPSON SR3 | 2012 GAMELAW COURT MIDLOTHIAN, VA 23113 | AFLAC | $10 | — | $10 | 0.02% |
| DURWARD W HANCOCK JR3 | PO BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $10 | — | $10 | 0.02% |
| RICHARD L MARTIN3 | ROUTE 3 BOX 63 DILLWYN, VA 23936 | AFLAC | $10 | — | $10 | 0.02% |
| CHRISTOPHER W ROBERTS3 | 2474 GREEN POINT LANE DENVER, NC 28037 | AFLAC | $9 | — | $9 | 0.02% |
| STEVEN KAISER3 Filed as: STEVEN WILLIAM KAISER | 6447 IVY SPRINGS DRIVE FLOWERY BRANCH, GA 30542 | AFLAC | $7 | — | $7 | 0.02% |
| DANIEL E ALTMIRE3 | 25212 CONRAD COURT DAMASCUS, MD 20872 | AFLAC | $7 | — | $7 | 0.02% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DRIVE HARRELLS, NC 28444 | AFLAC | $7 | — | $7 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $6 | — | $6 | 0.01% |
| LANCE PITTMAN LLC3 | 125 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $6 | — | $6 | 0.01% |
| JEANNETTE E FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $4 | — | $4 | 0.01% |
| NICHOLAS WAGNER3 | 1508 BACK COVE ROAD VIRGINIA BEACH, VA 23454 | AFLAC | $4 | — | $4 | 0.01% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVENUE APARTMENT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $4 | — | $4 | 0.01% |
| WILSON K BARNES JR3 | 4 SAINT MICHAELS WAY BALTIMORE, MD 21212 | AFLAC | $3 | — | $3 | 0.01% |
| BRENMARIE MENDOZA3 | 4612 FINNEY COURT CHESTER, VA 23831 | AFLAC | $3 | — | $3 | 0.01% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APARTMENT 7 FAYETTEVILLE, VA 28314 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES S RASNIC3 | 7601 STRATH ROAD RICHMOND, VA 23231 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES M PITZ3 | 84 MINK ROAD CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.00% |
| DESIGN BENEFITS INC3 | 902 EAST JEFFERSON STREET SUITE 101 CHARLOTTESVILLE, VA 22902 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $17K | — | $17K | 144.08% |
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 | 79 | 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) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 64 | $667K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $104K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 81 | $12K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 186 | $191K |
| Short-term disability | AFLAC | 60 | $41K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 186 | $150K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 186 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.