| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 10265 BIRMINGHAM, AL 35202 | HEALTHKEEPERS, INC. | $26K | — | $26K | 3.29% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2520 NORTHWINDS PKWY SUITE 600 ALPHARETTA, GA 300092238 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 14.60% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.81% |
| HOME OFFICE TPA PAYS COMMISSION3 | 475 FALLBROOK BLVD LINCOLN, NE 685219033 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $9K | — | $9K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | — | $813 | $813 | 1.38% |
| WANDA LEE MADDOX3 | P.O. BOX 346 CROZET, VA 22932 | AFLAC | $2K | $55 | $2K | 5.40% |
| KAREN S LEIGHTY3 | 729 PATTIE ROAD BUCKINGHAM, VA 23921 | AFLAC | $405 | — | $405 | 0.89% |
| RUTH P YOUNG3 | 677 BERKMAR COURT CHARLOTTESVILLE, VA 22901 | AFLAC | $321 | — | $321 | 0.71% |
| CODY MOSS3 Filed as: CODY LEE MOSS | 2203 GLENMORE ROAD SCOTTSVILLE, VA 24590 | AFLAC | $208 | $22 | $230 | 0.51% |
| ROY S TURNER3 | 429 MAPLE TOP LANE BUCKINGHAM, VA 23921 | AFLAC | $212 | — | $212 | 0.47% |
| KATHY K PLOURDE3 Filed as: KATHY K PLOURIDE | 102 MILLSTONE TERRACE FOREST, VA 24551 | AFLAC | $146 | — | $146 | 0.32% |
| SABRINA ANN PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $116 | — | $116 | 0.26% |
| FAYE JETER MARTIN3 | 19220 FOREST ROAD LYNCHBURG, VA 24502 | AFLAC | $112 | — | $112 | 0.25% |
| JADEANNE WAGNER3 | 742 WILLOWSPRINGS BLVD FRANKLIN, TN 37064 | AFLAC | $97 | — | $97 | 0.21% |
| ANGELA WRIGHT3 | 227 MIDLAND ROAD WINGINA, VA 24599 | AFLAC | $63 | $22 | $85 | 0.19% |
| SAMUEL DAANE3 Filed as: SAMUEL DANNE | 943 GLENWOOD STATION LANE SUITE 302 CHARLOTTESVILLE, VA 22901 | AFLAC | $83 | — | $83 | 0.18% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $78 | — | $78 | 0.17% |
| J GARY CAVE3 | 6412 HARDING PIKE NASHVILLE, TN 37205 | AFLAC | $72 | — | $72 | 0.16% |
| MICHAEL HOWARD WEEKS3 | 160 ELLIOTT ROAD AYDLETT, NC 27916 | AFLAC | $64 | — | $64 | 0.14% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $63 | — | $63 | 0.14% |
| YARBOROUGH AND YARBOROUGH INC3 | 4035 HEUTTE DR NORFOLK, VA 23518 | AFLAC | $61 | — | $61 | 0.13% |
| JANICE ALLEN TURNER3 | 429 MAPLE TOP LNAE BUCKINGHAM, VA 23921 | AFLAC | $44 | — | $44 | 0.10% |
| TELLIE ANN TURNER SAUNDERS3 | 427 MAPLE TOP LN BUCKINGHAM, VA 23921 | AFLAC | $42 | — | $42 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: DANIE M BROWN | 475 LAWNDALE DR SPRING CREEK, NV 89815 | AFLAC | $29 | — | $29 | 0.06% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $28 | — | $28 | 0.06% |
| TALON R BOCCOLA3 | 25 JESUP WAY APT 102 LYNCHBURG, VA 24502 | AFLAC | $25 | — | $25 | 0.06% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $21 | — | $21 | 0.05% |
| DAVID E SHELL JR3 | 102 MACTANLY PLACE SUITE C STAUNTON, VA 24401 | AFLAC | $17 | — | $17 | 0.04% |
| JOHN W WATSON3 | 147 MALLARD LN LYNCHBURG, VA 24502 | AFLAC | $15 | — | $15 | 0.03% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $14 | — | $14 | 0.03% |
| DURWARD W HANCOCK JR3 Filed as: DURWARD HANCOCK JR | P.O. BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $14 | — | $14 | 0.03% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DRIVE HARRELLS, NC 28444 | AFLAC | $12 | — | $12 | 0.03% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $9 | — | $9 | 0.02% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, NC 28314 | AFLAC | $7 | — | $7 | 0.02% |
| ELLEN JENKINS NETERER3 | PO BOX 262 GOOCHLAND, VA 23003 | AFLAC | $6 | — | $6 | 0.01% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $6 | — | $6 | 0.01% |
| MICHAEL R MARTIN3 | 32 OLD HICKORY PITTSBORO, NC 27312 | AFLAC | $2 | — | $2 | 0.00% |
| MARK D LUTHER3 | 300 LOOP ROAD SHERWOOD, AA 72120 | AFLAC | $1 | — | $1 | 0.00% |
| MARY LEE NICHOLS3 | 2115 ARBOR VIEW CIRCLE DIBBERVILLE, MS 39540 | AFLAC | $1 | — | $1 | 0.00% |
| ELLEN JENKINS NETERER3 | P.O. BOX 669 SCOTTSBILLE, VA 24590 | AFLAC | $0 | — | $0 | 0.00% |
| MARK D LUTHER3 | 804 MOORFIELD PARK DRIVE SUITE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $0 | — | $0 | 0.00% |
| DEBBIE S COLLINS3 | 2945 GREEN HILL DRIVE SALEM, VA 24153 | AFLAC | $169 | $8 | $177 | 3.87% |
| MICHAEL R MARTIN3 | 32 OLD HICKORY PITTSBORO, NC 27312 | AFLAC | $171 | — | $171 | 3.74% |
| EADES & LOWER INC3 | P.O. BOX 21483 ROANOKE, VA 24018 | AFLAC | $95 | — | $95 | 2.08% |
| MATHEW JAMIEL ALLEN3 | 3535 VERONA TRL ROANOKE, VA 24018 | AFLAC | $35 | — | $35 | 0.77% |
| JUDY L MCCULLOUGH3 Filed as: JUDY L.CMCCULLOUGH | P.O. BOX 449 FOREST, VA 24551 | AFLAC | $24 | — | $24 | 0.52% |
| KEVIN L MARTIN3 | 1534 LINKS VIEW DR SALEM, VA 24153 | AFLAC | $20 | — | $20 | 0.44% |
| REBECCA J GIBSON3 | 106 CIRCLE DRIVE PRINCETON, WV 24740 | AFLAC | $11 | — | $11 | 0.24% |
| MELVIN R JONES3 | 3025 ELIOCH MANOR DRIVE POWHATAN, VA 23139 | AFLAC | $10 | — | $10 | 0.22% |
| JAMES C BOOKER3 | 98 KENNA DRIVE CHARLESTON, WV 25309 | AFLAC | $10 | — | $10 | 0.22% |
| LORIN ALBIN3 Filed as: LORIN J ALBIN | 174 GRACY STREET PRINCETON, WA 24739 | AFLAC | $10 | — | $10 | 0.22% |
| JACKSON D RHODES3 | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $6 | — | $6 | 0.13% |
| THOMAS E HATCHER JR3 Filed as: THOMAS E HATCHER | 1588 BAY TREE HARRELLS, NC 28444 | AFLAC | $3 | — | $3 | 0.07% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $1 | — | $1 | 0.02% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 126 | $797K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 231 | $59K |
| Vision | HEALTHKEEPERS, INC. | 126 | $797K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 168 | $70K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 168 | $70K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 168 | $70K |
| Other(2 contracts) | AFLAC | 33 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.