| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| D&S LIFE AGENCY INC3 Filed as: D & S LIFE AGENCY | PO BOX 629 ROANOKE, VA 240040629 | HUMANA INSURANCE COMPANY | $8K | $2K | $10K | 10.99% |
| D&S LIFE AGENCY INC3 Filed as: D & S LIFE AGENCY INC | 1414 FRANKLIN ROAD SW ROANOKE, VA 24016 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 7.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 4951 LAKE BROOK DR., SUITE 300 GLEN ALLEN, VA 23060 | ANTHEM LIFE INSURANCE COMPANY | $780 | — | $780 | 1.63% |
| GARY W GOYER3 | 5463 WINESAP DR ROANOKE, VA 24019 | AFLAC | $5K | $473 | $5K | 12.62% |
| MELISSA L KARNES3 | 1002 CANINE CT THAXTON, VA 24174 | AFLAC | $747 | $95 | $842 | 2.07% |
| JAMES C BOOKER3 | 228 PICKERINGTON RIDGE DR PICKERTINGTON, OH 43147 | AFLAC | $408 | $95 | $503 | 1.24% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DR SALEM, VA 24153 | AFLAC | $281 | — | $281 | 0.69% |
| JOHN A HAWLEY3 | 116 PICKENS CT KINGSPORT, TN 37663 | AFLAC | $239 | — | $239 | 0.59% |
| HEATHER D HAWLEY3 | 212 BISHOP RD BLACKSBURG, VA 24060 | AFLAC | $137 | — | $137 | 0.34% |
| LARRY W OWEN3 | PO BOX 783 SALEM, VA 24153 | AFLAC | $125 | — | $125 | 0.31% |
| MELVIN R JONES3 | 3025 ELIOCH MANOR DR POWHATAN, VA 23139 | AFLAC | $118 | — | $118 | 0.29% |
| JACKSON D RHODES3 | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $69 | — | $69 | 0.17% |
| BOBBY R CRAIGHEAD3 | 431 MITCHELL VALLEY DR MARION, VA 24354 | AFLAC | $62 | — | $62 | 0.15% |
| THOMAS E HATCHER JR3 | 1588 BAYTREE DR HARRELLS, NC 28444 | AFLAC | $35 | — | $35 | 0.09% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24153 | AFLAC | $10 | — | $10 | 0.02% |
| JUSTIN W DAVIS3 | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $9 | — | $9 | 0.02% |
| THOMAS J STEPHENSON3 | 320 9TH ST HUNTINGTON, WV 25701 | AFLAC | $9 | — | $9 | 0.02% |
| TRAVIS B HAWKINS3 | 761 MOSBY ST SW ABINGDON, VA 24210 | AFLAC | $7 | — | $7 | 0.02% |
| MARY LEE NICHOLS3 | 317 S 4TH ST #276 LA CROSSE, WI 54601 | AFLAC | $6 | — | $6 | 0.01% |
| BRIAN CUMPTAN3 | 320 9TH STREET SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $6 | — | $6 | 0.01% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $6 | — | $6 | 0.01% |
| HENRY MOSES3 | 1456 MUD PIKE CHRISTIANSBURG, VA 24073 | AFLAC | $3 | — | $3 | 0.01% |
| DARAN L WYCKOFF3 | 2907 E 64TH CT SPOKANE, WA 99223 | AFLAC | $3 | — | $3 | 0.01% |
| CHRISTOPHER PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $3 | — | $3 | 0.01% |
| KRISTINE G WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $1 | — | $1 | 0.00% |
| PAUL B BROUCHOUD3 | 604 MARK DRIVE DEL CITY, OK 73115 | AFLAC | $1 | — | $1 | 0.00% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 137 | $92K |
| Vision | HUMANA INSURANCE COMPANY | 137 | $92K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 168 | $48K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 168 | $48K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 168 | $48K |
| Other | AFLAC | 66 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.