| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMONWEALTH EMPLOYEE BENEFIT SOLUT3 | 3300 TYRE NECK ROAD SUITE 1 PORTSMOUTH, VA 23703 | HEALTHKEEPERS, INC. | $30K | — | $30K | 3.50% |
| COMMONWEALTH EMPLOYEE BENEFIT SOLUT3 | 3300 TYRE NECK ROAD SUITE 1 PORTSMOUTH, VA 23703 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | — | $4K | 5.00% |
| COMMONWEALTH EMPLOYEE BENEFIT SOLUT3 | 3300 TYRE NECK ROAD SUITE 1 PORTSMOUTH, VA 23703 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 9.57% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G. SMITH | 311 NAPLES COURT CHESAPEAKE, VA 23322 | AFLAC | $4K | — | $4K | 7.34% |
| GLENN E SMITH3 Filed as: GLENN E. SMITH | 311 NAPLES COURT CHESAPEAKE, VA 23322 | AFLAC | $1K | $2 | $1K | 1.84% |
| SHAWN K STEPHENS3 Filed as: SHAWN K. STEPHENS | 515 SOUTH FREY ROAD SUITE A KATY, VA 77450 | AFLAC | $571 | $2 | $573 | 1.00% |
| CHAD T KNAPP3 | 616 PINETREE DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $468 | $33 | $501 | 0.88% |
| BRENDA M MALANEY GORE3 | 501 SUNNINGHILL COURT VIRGINIA BEACH, VA 23451 | AFLAC | $325 | — | $325 | 0.57% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLENECK ROAD 3300 BLDG SUITE 200 VIRGINIA BEACH, VA 23452 | AFLAC | $267 | — | $267 | 0.47% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $265 | — | $265 | 0.46% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $256 | $7 | $263 | 0.46% |
| KENNETH W SHOLAR3 | 4608 WESTGROVE COURT HAYGOOD EXECUTIVE PARK VIRGINIA BEACH, VA 23455 | AFLAC | $200 | — | $200 | 0.35% |
| CARLA OLSEN BRANSON3 | 208 SIMMONS DRIVE SEAFORD, VA 23696 | AFLAC | $149 | — | $149 | 0.26% |
| ANNE H MARTIN3 Filed as: ANNE H. MARTIN | 3239 MT. TABOR ROAD CRESWELL, NC 27928 | AFLAC | $109 | — | $109 | 0.19% |
| SCOTT C KNAPP3 | 3324 VIRGINIA BEACH BOULEVARD SUITE 107 VIRGINIA BEACH, VA 23452 | AFLAC | $99 | — | $99 | 0.17% |
| ROY MANGUM3 Filed as: ROY W. MAGNUM | 109 GULLAN SMITHFIELD, VA 23430 | AFLAC | $96 | — | $96 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 355 SCOTT FARM DRIVE POWDER SPRINGS, GA 30127 | AFLAC | $95 | — | $95 | 0.17% |
| ANDREA L DUHON3 | 1440 SKI LODGE ROAD VIRGINIA BEACH, VA 23453 | AFLAC | $85 | $10 | $95 | 0.17% |
| SHELLY JEAN HAYES3 | 1113 SONOMA CV BRANDON, MS 39047 | AFLAC | $79 | — | $79 | 0.14% |
| DEBORAH WELLS3 Filed as: DEBORAH R WELLS | 10 WESTLAWN DRIVE HAMPTON, VA 23664 | AFLAC | $62 | — | $62 | 0.11% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $40 | $7 | $47 | 0.08% |
| LOU S. PUGH3 | 2396 KING ARTHURS COURT HARRISONBURG, VA 22801 | AFLAC | $38 | — | $38 | 0.07% |
| DONALD B ORRELL3 | 1581 CHERRY GROVE ROAD NORTH SUFFOLK, VA 23432 | AFLAC | $35 | — | $35 | 0.06% |
| LEANN D WATKINS3 | 2325 SEA SHELL ROAD SUITE 304 VIRGINIA BEACH, VA 23451 | AFLAC | $34 | — | $34 | 0.06% |
| LARRY A WESTON JR3 Filed as: LARRY A WESTON, JR. | 321 WINDSOR ROAD GREENVILLE, NC 27858 | AFLAC | $26 | — | $26 | 0.05% |
| PAUL E KAPLAN3 | PO BOX 1120 FRANKLIN, VA 23851 | AFLAC | $22 | — | $22 | 0.04% |
| MICHELLE P PHELPS3 Filed as: MICHELLE P. PHELPS | 2046 WESTON ROAD CRESWELL, NC 27928 | AFLAC | $22 | — | $22 | 0.04% |
| MARY KNAPP3 Filed as: MARY KATHRYN KNAPP | 448 LYNN SHORES DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $21 | — | $21 | 0.04% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R. HILL, SR. | 9701 GAYTON ROAD SUITE 6 RICHMOND, VA 23238 | AFLAC | $20 | — | $20 | 0.04% |
| LARRY BUTTRAM3 Filed as: LARRY A. BUTTRAM | 9185 MATTHEW DRIVE MANASSAS PARK, VA 20111 | AFLAC | $20 | — | $20 | 0.04% |
| MICHAEL FATHERREE3 | 11876 MOORHEN CIRCLE FORT WORTH, TX 76244 | AFLAC | $17 | — | $17 | 0.03% |
| MELVIN R JONES3 Filed as: MELVIN R. JONES | 3025 ELIOCH MANOR ROAD POWHATAN, VA 23139 | AFLAC | $14 | — | $14 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $13 | — | $13 | 0.02% |
| J MICHAEL BUTLER3 Filed as: J. MICHAEL BUTLER | 1440 OLD LENOIR ROAD SUITE A HICKORY, NC 28601 | AFLAC | $13 | — | $13 | 0.02% |
| CONNIE M HOLT3 | PO BOX 1120 FRANKLIN, VA 23851 | AFLAC | $13 | — | $13 | 0.02% |
| KRYSTAL FIELDS INC3 Filed as: KRYSTAL FIELDS, INC. | 50 HARVARD ROAD PORTSMOUTH, VA 23701 | AFLAC | $13 | — | $13 | 0.02% |
| ROMAN GUERRERO3 | 9633 20TH BAY STREET APARTMENT 6 NORFORK, VA 23518 | AFLAC | $11 | $2 | $13 | 0.02% |
| SHAWN K STEPHENS3 Filed as: SHAWN NERONSKI | 147 HILL PRINCE ROAD VIRGINIA BEACH, VA 23462 | AFLAC | $11 | $2 | $13 | 0.02% |
| ANDREA L SHERMAN3 | 1348 FIVE FORKS ROAD VIRGINIA BEACH, VA 23455 | AFLAC | $12 | — | $12 | 0.02% |
| ANITA BUECHLER3 | 1000 RABBIT RUN CHESAPEAKE, VA 23320 | AFLAC | $9 | — | $9 | 0.02% |
| TAURBULL INC3 | 448 LYNN SHORES DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $8 | — | $8 | 0.01% |
| JON H DAVENPORT3 | 703 THIMBLE SHOALS BOULEVARD SUITE C-6 NEWPORT NEWS, VA 23606 | AFLAC | $3 | — | $3 | 0.01% |
| PEARLIE H CARRINGTON3 | 4120 SUNNYFIELDS ROAD PORTSMOUTH, VA 23703 | AFLAC | $2 | — | $2 | 0.00% |
| DEBORAH H HALL3 | 105 LONG LEAF PLACE MADISON, MS 39110 | AFLAC | $2 | — | $2 | 0.00% |
| STEPHEN BEAMAN3 | 1401 KIMBERLY ROAD NEW BERN, NC 28562 | AFLAC | $2 | — | $2 | 0.00% |
| COMMONWEALTH EMPLOYEE BENEFIT SOLUT3 Filed as: COMMONWEALTH EMPLOYEE BENEFIT SOL | 3300 TYRE NECK ROAD SUITE 1 PORTSMOUTH, VA 23703 | VISION SERVICE PLAN | $972 | $1 | $973 | 5.99% |
| COMMONWEALTH EMPLOYEE BENEFIT SOLUT3 Filed as: COMMONWEALTH EMPLOYEE BENEFIT | 3300 TYRE NECK ROAD SUITE 1 PORTSMOUTH, VA 23703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 24.35% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 130 | $920K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 148 | $86K |
| Vision(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 130 | $879K |
| Life insurance(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 213 | $145K |
| Short-term disability(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 213 | $145K |
| Long-term disability(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 213 | $145K |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 213 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.