| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 7.41% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 276124954 | METROPOLITAN LIFE INSURANCE COMPANY | — | $51 | $51 | 0.03% |
| MID ATLANTIC BENEFITS SOLUTION3 | 316 LOUISA AVE VIRGINIA BEACH, VA 23452 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.92% |
| BB&T INSURANCE SERVICES, INC.3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | — | $4K | 5.00% |
| JBA ENTERPRISES OF ROANOKE INC3 | 355 STONELEDGE DRIVE ROANOKE, VA 24019 | AFLAC | $213 | — | $213 | 6.15% |
| THOMAS MICHAEL RIGNEY3 | 116 OCEAN BAY DRIVE JENSEN BEACH, FL 34957 | AFLAC | $54 | — | $54 | 1.56% |
| BONITA H WALKER3 Filed as: BONITA WALKER | 1945 MAYLIN DRIVE SALEM, VA 24153 | AFLAC | $33 | — | $33 | 0.95% |
| JOHN HAWLEY3 | 1390 SOUTHSIDE DRIVE SALEM, VA 24153 | AFLAC | $31 | — | $31 | 0.90% |
| CRYSTAL L MARTIN3 Filed as: CRYSTAL L. MARTIN | 58 WATERSIDE DRIVE MORGANTOWN, WV 26508 | AFLAC | $21 | — | $21 | 0.61% |
| BRIAN CUMPTAN3 | 320 9TH STREET SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $19 | — | $19 | 0.55% |
| MARY T JOYCE3 Filed as: MARY T. JOYCE | PO BOX 21471 ROANOKE, VA 24018 | AFLAC | $19 | — | $19 | 0.55% |
| MELVIN R JONES3 Filed as: MELVIN R. JONES | 3025 ELIOCH MANOR DR POWHATAN, VA 23139 | AFLAC | $12 | — | $12 | 0.35% |
| WILFRED L SMITH3 Filed as: WILFRED L. SMITH | PO BOX 21471 ROANOKE, VA 24018 | AFLAC | $9 | — | $9 | 0.26% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R. HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $7 | — | $7 | 0.20% |
| JUSTIN W DAVIS3 Filed as: JUSTIN W. DAVIS | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $4 | — | $4 | 0.12% |
| THOMAS J STEPHENSON3 Filed as: THOMAS J. STEPHENSON | 320 9TH STREET HUNTINGTON, WV 25701 | AFLAC | $4 | — | $4 | 0.12% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $2 | — | $2 | 0.06% |
| TRIVETT WINGO4 | PO BOX 303395 AUSTIN, TX 78703 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $46 | — | $46 | 4.37% |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 249 | $1.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $235K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $147K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $147K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $284K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.