| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| D&S LIFE AGENCY INSURANCE3 | PO BOX 629 ROANOKE, VA 240040629 | HUMANA INSURANCE COMPANY | $9K | $252 | $9K | 10.21% |
| GARY W GOYER3 | 5463 WINESAP DR ROANOKE, VA 24019 | AFLAC | $4K | $140 | $5K | 8.41% |
| MELISSA L KARNES3 | 1002 CANINE CT THAXTON, VA 24174 | AFLAC | $2K | $28 | $2K | 3.08% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DR SALEM, VA 24153 | AFLAC | $576 | $7 | $583 | 1.06% |
| JOHN A HAWLEY3 | 116 PICKENS CT KINGSPORT, TN 37663 | AFLAC | $307 | — | $307 | 0.56% |
| LARRY W OWEN3 | PO BOX 783 SALEM, VA 24153 | AFLAC | $175 | — | $175 | 0.32% |
| MELVIN R JONES3 | 3025 ELIOCH MANOR DR POWHATAN, VA 23139 | AFLAC | $159 | — | $159 | 0.29% |
| JAMES C BOOKER3 | 228 PICKERINGTON RIDGE DR PICKERTINGTON, OH 43147 | AFLAC | $140 | $10 | $150 | 0.27% |
| JAMES C BOOKER3 | 98 KENNA DR CHARLESTON, WV 25309 | AFLAC | $117 | $11 | $128 | 0.23% |
| HEATHER D HAWLEY3 | 401 FAIRFAX RD APT 713 BLACKSBURG, VA 24060 | AFLAC | $110 | — | $110 | 0.20% |
| JACKSON D RHODES3 | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $90 | — | $90 | 0.16% |
| BOBBY R CRAIGHEAD3 | 431 MITCHELL VALLEY DR MARION, VA 24354 | AFLAC | $87 | — | $87 | 0.16% |
| HEATHER D HAWLEY3 | 212 BISHOP RD BLACKSBURG, VA 24060 | AFLAC | $58 | — | $58 | 0.11% |
| HARLEY CHRISTIAN3 | 2212 MITCHELL RD SALEM, VA 24153 | AFLAC | $50 | — | $50 | 0.09% |
| THOMAS E HATCHER JR3 | 1588 BAYTREE DR HARRELLS, NC 28444 | AFLAC | $49 | — | $49 | 0.09% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $16 | — | $16 | 0.03% |
| JUSTIN W DAVIS3 | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $11 | — | $11 | 0.02% |
| TRAVIS B HAWKINS3 | 761 MOSBY ST SW ABINGDON, VA 24210 | AFLAC | $10 | — | $10 | 0.02% |
| BRIAN CUMPTAN3 | 320 9TH STREET SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $8 | — | $8 | 0.01% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $7 | — | $7 | 0.01% |
| MARY LEE NICHOLS3 | 151 GRANDE VIEW DR APT 35 BILOXI, MS 39531 | AFLAC | $6 | — | $6 | 0.01% |
| THOMAS J STEPHENSON3 | 31 STADELMAN CT CARTERSVILLE, GA 30120 | AFLAC | $6 | — | $6 | 0.01% |
| THOMAS J STEPHENSON3 | 320 9TH ST HUNTINGTON, WV 25701 | AFLAC | $5 | — | $5 | 0.01% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LN HAYES, VA 23072 | AFLAC | $4 | — | $4 | 0.01% |
| MARY LEE NICHOLS3 | 317 S 4TH ST #276 LA CROSSE, WI 54601 | AFLAC | $3 | — | $3 | 0.01% |
| DARAN L WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $2 | — | $2 | 0.00% |
| DARAN L WYCKOFF3 | 2907 E 64TH CT SPOKANE, WA 99223 | AFLAC | $1 | — | $1 | 0.00% |
| 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% |
| D&S LIFE AGENCY INC3 | 1414 FRANKLIN RD SW ROANOKE, VA 24016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.60% |
| D&S LIFE AGENCY INC3 | 1414 FRANKLIN RD SW ROANOKE, VA 24016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.99% |
| D&S LIFE AGENCY INC3 | 1414 FRANKLIN RD SW ROANOKE, VA 24016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $551 | $3K | 12.60% |
| D&S LIFE AGENCY INC3 | 1414 FRANKLIN RD SW ROANOKE, VA 24016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $912 | $231 | $1K | 12.53% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 130 | $90K |
| Vision | HUMANA INSURANCE COMPANY | 130 | $90K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $9K |
| Other(3 contracts, 2 carriers) | AFLAC | 172 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.