| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHCARE CHOICE LLC3 | 3053 WEST STATE STREET BRISTOL, TN 37620 | ANTHEM LIFE INSURANCE COMPANY | $15K | — | $15K | 13.45% |
| HEALTHCARE CHOICE LLC3 Filed as: HEALTHCARE CHOICE, LLC | 3053 WEST STATE STREET BRISTOL, TN 37620 | DELTA DENTAL OF VIRGINIA | $5K | — | $5K | 5.99% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC DBA THR | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | DELTA DENTAL OF VIRGINIA | $815 | — | $815 | 1.00% |
| HEALTHCARE CHOICE LLC3 Filed as: HEALTHCARE CHOICE | 3053 WEST STATE STREET BRISTOL, TN 37620 | VISION SERVICE PLAN | $1K | — | $1K | 5.04% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $103 | — | $103 | 0.51% |
| GERALD B BURRUS3 | 2425 OLD OREGON TRAIL PULASKI, VA 24301 | AFLAC | $254 | — | $254 | 4.17% |
| MATTHEW JAMIEL ALLEN3 | 3535 VERONA TRAIL ROANOKE, VA 24018 | AFLAC | $77 | — | $77 | 1.26% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DRIVE SALEM, VA 24153 | AFLAC | $51 | — | $51 | 0.84% |
| DARLENE H TUCKER3 | PO BOX 366 MADISON, VA 22727 | AFLAC | $27 | — | $27 | 0.44% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $23 | — | $23 | 0.38% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CIRCLE GLEN ALLEN, VA 23059 | AFLAC | $22 | — | $22 | 0.36% |
| JUSTIN W DAVIS3 Filed as: JUSTIN DAVIS | 300 LIVE OAK COURT SALEM, VA 24153 | AFLAC | $21 | — | $21 | 0.34% |
| DAVID CLARK3 | 4780 THREE CHOPT ROAD LOUISA, VA 23093 | AFLAC | $20 | — | $20 | 0.33% |
| DEBBIE S COLLINS3 | 2945 GREEN HILL DRIVE SALEM, VA 24153 | AFLAC | $15 | — | $15 | 0.25% |
| STEVEN BREEDING3 | PO BOX 338 ROSEDALE, VA 24280 | AFLAC | $13 | — | $13 | 0.21% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $12 | — | $12 | 0.20% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 493 BAILEY DRIVE LOUISA, VA 23093 | AFLAC | $12 | — | $12 | 0.20% |
| JOHN HAWLEY3 | 575 DOBBINS HOLLOW ROAD NORTHEAST PILOT, VA 24138 | AFLAC | $12 | — | $12 | 0.20% |
| GEORGE SEYMOUR3 | 819 BONNETHEAD LANE SEYMOUR, TN 37865 | AFLAC | $12 | — | $12 | 0.20% |
| PRICE & RAMEY INSURANCE AGENCY3 Filed as: PRICE & RAMEY INC | 1524 BRIDGEWATER LANE SUITE 101 KINGSPORT, TN 37660 | AFLAC | $10 | — | $10 | 0.16% |
| CHARLES HOUGH3 | 162 SLATE HILL ROAD TELFORD, TN 37690 | AFLAC | $7 | — | $7 | 0.11% |
| RUTH YOUNG3 | 677 BERKMAR COURT CHARLOTTSVILLE, VA 22901 | AFLAC | $6 | — | $6 | 0.10% |
| AUSTIN RADER3 | 525 WEST OAKLAND AVENUE SUITE 7 JOHNSON CITY, TN 37604 | AFLAC | $6 | — | $6 | 0.10% |
| JACKSON D RHODES3 Filed as: JACKSON RHODES | 2332 VOLUNTEER PARKWAY BRISTOL, TN 37620 | AFLAC | $5 | — | $5 | 0.08% |
| MICHAEL MARTIN3 | 32 OLD HICKORY PITTSBORO, NC 27312 | AFLAC | $3 | — | $3 | 0.05% |
| JAMES E GOLDRICK3 Filed as: JAMES GOLDRICK | 24 MANORAGE ROAD MANORVILLE, NY 11949 | AFLAC | $3 | — | $3 | 0.05% |
| BRENT GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.05% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $1 | — | $1 | 0.02% |
| SHELLY BURRUS3 | 2425 OLD OREGON TRAIL PULASKI, VA 24301 | AFLAC | $1 | — | $1 | 0.02% |
| DARAN L WYCKOFF3 Filed as: DARAN WYCKOFF | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $1 | — | $1 | 0.02% |
| KRISTINE G WYCKOFF3 Filed as: KRISTINE WYCKOFF | 1417 SOUTH MAMER LANE SPOKANE VALLEY, WA 99216 | AFLAC | $1 | — | $1 | 0.02% |
| PAUL B BROUCHOUD3 Filed as: PAUL BROUCHOUD | 7401 RUSTIC CREEK ROAD OKLAHOMA CITY, OK 73165 | AFLAC | $1 | — | $1 | 0.02% |
| GEORGE WILLIAMS3 | 208 GRAND PARK BOULEVARD CHARLESTON, SC 29492 | AFLAC | $1 | — | $1 | 0.02% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 230 | $82K |
| Vision | VISION SERVICE PLAN | 143 | $20K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 158 | $121K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 158 | $115K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 158 | $115K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 158 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.