| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMONWEALTH EMPLOYEE BENEFIT SOLUT3 Filed as: COMMONWEALTH EMPLOYEE BENEFITS SOL. | 3300 TYRE NECK ROAD, SUITE 1 PORTSMOUTH, VA 23703 | HEALTHKEEPERS, INC. | $13K | — | $13K | 1.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | HEALTHKEEPERS, INC. | $8K | — | $8K | 0.80% |
| COMMONWEALTH EMPLOYEE BENEFIT SOLUT3 Filed as: COMMONWEALTH EMPLOYEE BENEFIT SOL. | 3300 TYRE NECK ROAD, SUITE 1 PORTSMOUTH, VA 23703 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $3K | — | $3K | 3.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2K | — | $2K | 1.75% |
| COMMONWEALTH EMPLOYEE BENEFIT SOLUT3 Filed as: COMMONWEALTH EMPLOYEE BENEFIT SOL. | 3300 TYRE NECK ROAD, SUITE 1 PORTSMOUTH, VA 23703 | ANTHEM LIFE INSURANCE COMPANY | $6K | — | $6K | 7.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 1.24% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G. SMITH | 311 NAPLES COURT CHESAPEAKE, VA 23322 | AFLAC | $3K | $100 | $3K | 7.35% |
| MJ INSURANCE3 Filed as: DAVID N. MORGAN AND VARIOUS AGENTS | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23059 | AFLAC | $2K | $9 | $2K | 3.96% |
| GLEN E. SMITH3 | 311 NAPLES COURT CHESAPEAKE, VA 23322 | AFLAC | $843 | $25 | $868 | 1.90% |
| SHAWN K STEPHENS3 Filed as: SHAWN K. STEPHENS | 1323 GRAHAM TRACE LANE LEAGUE CITY, TX 77573 | AFLAC | $370 | $25 | $395 | 0.86% |
| CHAD T KNAPP3 Filed as: CHAD T. KNAPP | 616 PINETREE DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $295 | — | $295 | 0.65% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, LLC | 397 LITTLENECK ROAD, SUITE 200 VIRGINIA BEACH, VA 23452 | AFLAC | $204 | — | $204 | 0.45% |
| BRENDA M MALANEY GORE3 Filed as: BRENDA M. MALANEY GORE | 501 SUNNINGHILL COURT VIRGINIA BEACH, VA 23451 | AFLAC | $195 | $8 | $203 | 0.44% |
| COMMONWEALTH EMPLOYEE BENEFIT SOLUT3 Filed as: COMMONWEALTH EMPLOYEE BENEFIT | SOLUTIONS I 3300 TYRE NECK ROAD, SUITE 1 PORTSMOUTH, VA 23703 | UNICARELIFE & HEALTH INSURANCE COMPANY | $886 | — | $886 | 6.30% |
| THOMAS DORSEY3 | 1025 EXECUTIVE BOULEVARD CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 12.71% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G. SMITH | 311 NAPLES COURT CHESAPEAKE, VA 23322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 11.66% |
| GLENN E SMITH3 Filed as: GLENN E. SMITH II | 311 NAPLES CURT CHEASAPEAKE, VA 23322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $677 | — | $677 | 5.12% |
| CHARLES MORGAN3 | 1721 SWAN LAKE CRESCENT CHEASAPEAKE, VA 23321 | CONTINENTAL AMERICAN INSURANCE COMPANY | $528 | — | $528 | 3.99% |
| MJ INSURANCE3 Filed as: SHAWN STEPHENS AND VARIOUS AGENTS | 293 INDEPENDENCE BOULEVARD SUITE 218 VIRGINIA BEACH, VA 23462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $288 | — | $288 | 2.18% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 Filed as: ANDREW D. JOHNSON | 677 BERKMAR COURT CHARLOTTESVILLE, VA 22902 | CONTINENTAL AMERICAN INSURANCE COMPANY | $248 | — | $248 | 1.88% |
| SHELLY WIEGAND3 Filed as: SHELLY J. HAYES | 1113 SONOMA COVE BRANDON, MS 39047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | — | $122 | 0.92% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 185 | $1.0M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 154 | $100K |
| Vision(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 210 | $1.1M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 225 | $87K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 225 | $87K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 225 | $87K |
| Prescription drug | HEALTHKEEPERS, INC. | 185 | $1.0M |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 225 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.