| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE STE 400 GLEN ALLEN, VA 23510 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $278 | $278 | 1.35% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G SMITH | 311 NAPLES CT. CHESAPEAKE, VA 23322 | AFLAC | $2K | $69 | $2K | 10.07% |
| TFA BENEFITS3 | 397 LITTLE NECK RD., STE. 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | AFLAC | $2K | $0 | $2K | 8.87% |
| JONATHAN SARGENT3 | 1511 GATEWOOD RD. NEWPORT NEWS, VA 23601 | AFLAC | $458 | $82 | $540 | 2.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $403 | $24 | $427 | 2.16% |
| GLENN E SMITH3 | 311 NAPLES CT. CHESAPEAKE, VA 23322 | AFLAC | $206 | $30 | $236 | 1.20% |
| LEIANN D WATKINS3 | 2325 SEA SHELL RD. #304 VA BEACH, VA 23451 | AFLAC | $94 | $0 | $94 | 0.48% |
| SHAWN K STEPHENS3 | 1323 GRAHAM TRACE LAN LEAGUE CITY, TX 77573 | AFLAC | $79 | $0 | $79 | 0.40% |
| VICKY H KRESINSKE3 | PO BOX 55322 LEAGUE CITY, TX 23471 | AFLAC | $77 | $0 | $77 | 0.39% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DR. GLEN ALLEN, VA 23059 | AFLAC | $70 | $0 | $70 | 0.35% |
| JOYE L HARRISON3 | 2370 N WINDSONG CT APT 201 VA BEACH, VA 23455 | AFLAC | $66 | $0 | $66 | 0.33% |
| TYRONE A VAUGHN3 Filed as: TYRONE ANTHONY VAUGHN | 2212 GEORGETOWN BLVD. CHESAPEAKE, VA 23325 | AFLAC | $57 | $0 | $57 | 0.29% |
| KENNETH W SHOLAR3 | 4608 WESTGROVE CT. HAYGOOD EXECUTIVE PARK VA BEACH, VA 23455 | AFLAC | $43 | $0 | $43 | 0.22% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $32 | $0 | $32 | 0.16% |
| LANA HOLLOWAY3 | 724 HAWKHURST DR. CHESAPEAKE, VA 23322 | AFLAC | $27 | $0 | $27 | 0.14% |
| SHAWN K STEPHENS3 | 515 S FRY RD STE A KATY, TX 77450 | AFLAC | $12 | $5 | $17 | 0.09% |
| SHELLY JEAN HAYES3 | 1113 SONOMA CV BRANDON, MS 39047 | AFLAC | $10 | $0 | $10 | 0.05% |
| MICHAEL FATHERREE3 | 11876 MOORHEN CIR FORT WORTH, TX 76244 | AFLAC | $8 | $0 | $8 | 0.04% |
| CHARLES MORGAN3 Filed as: CHARLES R MORGAN | 1721 SWAN LAKE CRES CHESAPEAKE, VA 23321 | AFLAC | $4 | $0 | $4 | 0.02% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVE APTE 803 VA BEACH, VA 23321 | AFLAC | $4 | $0 | $4 | 0.02% |
| DUANE A ADAMS3 | 11520 NUCIOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $2 | $0 | $2 | 0.01% |
| SHEILA L RAITCH3 | 5524 LIBER CT. GAINESVILLE, VA 20155 | AFLAC | $2 | $0 | $2 | 0.01% |
| JEFFERY S GIBSON3 Filed as: JEFFERY SCOTT GIBSON | 14301 N 87TH ST STE SCOTTDALE, AZ 85260 | AFLAC | $1 | $0 | $1 | 0.01% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $1 | $0 | $1 | 0.01% |
| LINDSEY JO MARTIN3 | 2095 COX CV CONWAY, AR 72034 | AFLAC | $0 | $0 | $0 | 0.00% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD RD STE 402 VA BEACH, VA 23455 | AFLAC | $0 | $0 | $0 | 0.00% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR. MAIDENS, VA 23012 | AFLAC | $0 | $0 | $0 | 0.00% |
| JEANNETTE E FATHERREE3 | 11876 MOORHEN CIR FORTH WORTH, TX 76244 | AFLAC | $0 | $0 | $0 | 0.00% |
| RUSSELL TINNEY3 | 11520 NUCKOLS RD. STE. 103 GLEN ALLEN, VA 23059 | AFLAC | $0 | $0 | $0 | 0.00% |
| JEANNETTE E FATHERREE3 | 171 COUNTY RD 1559 ALBA, TX 75410 | AFLAC | $0 | $0 | $0 | 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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA/HEALTHKEEPERS | 184 | $1.6M |
| Dental | UNITED CONCORDIA INSURANCE COMPAANY | 224 | $98K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA/HEALTHKEEPERS | 184 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $51K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $41K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA/HEALTHKEEPERS | 184 | $1.5M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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 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.