| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 6.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE SUITE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 5.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 6.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.56% |
| REBECCA F SMITH3 | 4130 INNSLAKE DR GLEN ALLEN, VA 23060 | AFLAC | $4K | $170 | $4K | 4.79% |
| CHARLITA J MILLARD3 | PO BOX 3943 CHESTER, VA 23831 | AFLAC | $2K | $47 | $2K | 2.61% |
| KAYLEE ANN BAGLEY3 | 4130 INNSLAKE DR SUITE 110 GLEN ALLEN, VA 23060 | AFLAC | $2K | $109 | $2K | 2.36% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $2K | — | $2K | 1.86% |
| JOSHUA C BURTON3 | 4189 COX ROAD SUITE 113 GLENN ALLEN, VA 23060 | AFLAC | $1K | $36 | $1K | 1.46% |
| ROBERT A ROBERTSON3 Filed as: ROBERT ROBERTSON | 511 WOODBINE LANE BRISTOL, TN 37620 | AFLAC | $359 | — | $359 | 0.44% |
| DONALD HEATH RIVERS3 | 7248 CANNOCK RD CHESTERFIELD, VA 23832 | AFLAC | $239 | — | $239 | 0.29% |
| JULIE THOMPSON PRIOR3 Filed as: JULIE THOMPSON MANNING | 3460 BROOKLAND MANOR DR POWHATAN, VA 23139 | AFLAC | $178 | — | $178 | 0.22% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS HESLEP | 3709 S LYNWOOD AVE TAMPA, FL 33611 | AFLAC | $133 | — | $133 | 0.16% |
| ENROLLEASE3 Filed as: CLARKE JONES | PO BOX 711 MIDLOTHIAN, VA 23113 | AFLAC | $106 | — | $106 | 0.13% |
| GENIA ANNE TENCH3 | 10337 NEW BRITTON RD MECHANICSVILLE, VI 23116 | AFLAC | $81 | — | $81 | 0.10% |
| JESSICA M GAINES3 | 10809 KING WILLIAM ROAD APT 4 AYLETT, VA 23009 | AFLAC | $81 | — | $81 | 0.10% |
| IRENE L ROBERTSON3 | 511 WOODBINE LANE BRISTON, TN 37620 | AFLAC | $77 | — | $77 | 0.09% |
| KERSTIN E COLEMAN3 | 47 QUEENS WAY SUITE G HAMPTON, VA 23669 | AFLAC | $57 | $11 | $68 | 0.08% |
| DAVID MORGAN3 | 240 BEVERLY HILLS CIR APT 532 LYNCHBURG, VA 24502 | AFLAC | $64 | — | $64 | 0.08% |
| LAYMETHA GUY3 | 612 YELLOWSTONE DRIVE HOPEWELL, VA 23860 | AFLAC | $61 | — | $61 | 0.07% |
| SABRINA ANN PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $53 | — | $53 | 0.06% |
| SUSAN N ADAMS3 Filed as: SUSAN ADAMS | 493 BAILEY DR SUITE 380 LOUISA, VA 23093 | AFLAC | $50 | — | $50 | 0.06% |
| ELLEN TURTON3 | 2160 KINGS HWY UNIT 10 FAIRFIELD, CT 06824 | AFLAC | $50 | — | $50 | 0.06% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DRIVE HARRELLS, NC 28444 | AFLAC | $49 | — | $49 | 0.06% |
| ROY D MUNSTER3 | 8332 CHARING LANE GELN ALLEN, VA 23059 | AFLAC | $45 | — | $45 | 0.06% |
| ROBERT P KELLAND JR3 | 10600 WHITE RABBIT ROAD RICHMOND, VA 23235 | AFLAC | $45 | — | $45 | 0.06% |
| DUANE A ADAMS3 | 493 BAILEY DRIVE LOUISA, VA 23093 | AFLAC | $44 | — | $44 | 0.05% |
| RUEANN EMERSON3 | 1017 ASHES DRIVE SUITE 106 WILMINGTON, NC 28405 | AFLAC | $38 | — | $38 | 0.05% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $35 | — | $35 | 0.04% |
| RONALD PRIOR JR3 | 725 SWAN VIEW DRIVE URBANNA, VA 23175 | AFLAC | $33 | — | $33 | 0.04% |
| HEATHER HESLEP3 | 107 HUGER STREET RINCON, GA 31326 | AFLAC | $33 | — | $33 | 0.04% |
| DAISY W STIEBEL3 | 4970 S ISLAND DRIVE NORTH MYRTLE BEACH, SC 29582 | AFLAC | $33 | — | $33 | 0.04% |
| JULIA STARRETT3 | 8216 BALTIMORE ROAD FORD, VA 23850 | AFLAC | $26 | — | $26 | 0.03% |
| DEBORAH B SMITH3 Filed as: DEBORAH SMITH | 1960 CRANBERRY ISLES WAY APOPKA, FL 32712 | AFLAC | $21 | — | $21 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS THOMPSON | 9100 BON AIR CROSSINGS DR APT 257 NORTH CHESTERFIELD, VA 23235 | AFLAC | $13 | — | $13 | 0.02% |
| ROBERT MILLARD3 | 11000 ALDERA PLACE CHESTERFIELD, VA 23838 | AFLAC | $12 | — | $12 | 0.01% |
| JEFFERY SCOTT GIBSON3 | 4030 TATES CREEK ROAD APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $12 | — | $12 | 0.01% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $10 | — | $10 | 0.01% |
| KARIMA CRENSHAW3 | 2034 WALTON ST PETERSBURG, VA 23805 | AFLAC | $6 | — | $6 | 0.01% |
| MARY LEE NICHOLS3 | 2115 ARBOR VIEW CIR DIBERVILLE, MS 39540 | AFLAC | $4 | — | $4 | 0.00% |
| BENJAMIN O THOMPSON SR3 | 2012 GAMELAW CT MIDLOTHIAN, VA 23113 | AFLAC | $3 | — | $3 | 0.00% |
| AMEILA MORGAN3 | 240 BEVERLY HILLS CIR APT 532 LYNCHBURG, VA 24502 | AFLAC | $2 | — | $2 | 0.00% |
| LINDSEY JO MARTIN3 Filed as: LINDSEY MARTIN | 1450 ULMER STREET GREENWOOD, AR 72936 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL FATHERREE3 | 171 COUNTRY ROAD 1559 ALBA, TX 75410 | AFLAC | $1 | — | $1 | 0.00% |
| NICHOLAS WAGNER3 | 6000 FAIRVIEW RD STE 470 CHARLOTTE, NC 28210 | AFLAC | $1 | — | $1 | 0.00% |
| RUSSELL W TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, NC 28314 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE, STE GREENSBORO, NC 27409 | VISION SERVICE PLAN | $1K | — | $1K | 3.70% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $585 | — | $585 | 1.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 2108 WEST LABURNAM AVE 2108 WEST LABURNAM AVE RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABURNAM AVE STE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.90% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 369 | $47K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $141K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 83 | $125K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $160K |
| Other(5 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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."
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.