| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | 1753 PINNACLE DRIVE 8TH FLOOR MCLEAN, VA 22102 | GHMSI / CAREFIRST BLUECHOICE | $40K | $15K | $55K | 2.78% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOTIVE DEALERS SERVICE | 1800 WEST GRACE STREET PO BOX 5407 RICHMOND, VA 23220 | GHMSI / CAREFIRST BLUECHOICE | $9 | — | $9 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 9020 STONY POINT PKWY, STE 200 RICHMOND, VA 23235 | DOMINION DENTAL SERVICES, INC. | $12K | — | $12K | 12.30% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SER | PO BOX 203510 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 13.86% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SER | PO BOX 203510 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 13.84% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 203510 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.81% |
| WELLS FARGO INSURANCE SERVICES3 | 9020 STONEY POINT PKWY STE 200 RICHMOND, VA 23235 | THE GUARDIAN LIFE INS CO OF AMERICA | $2K | — | $2K | 12.60% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS | 1800 W GRACE STREET PO BOX 5407 RICHMOND, VA 23220 | THE GUARDIAN LIFE INS CO OF AMERICA | $404 | — | $404 | 2.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 203491 DALLAS, TX 753203516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 19.02% |
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $155 | — | $155 | 1.05% |
| JASON HEARD3 | 201 DEXTER STREET WEST CHESAPEAKE, VA 23324 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $138 | — | $138 | 0.94% |
| GLANDON INSURANCE AGENCY INC3 Filed as: GLANDON INSURANCE AGCY INC | 1100 LASKIN RD, STE 200 VIRGINIA BEACH, VA 23451 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.12% |
| ROY MANGUM3 | 109 GULLANE SMITHFIELD, VA 23430 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 203491 DALLAS, TX 753203516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 17.61% |
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.25% |
| JASON HEARD3 | 201 DEXTER STREET WEST CHESAPEAKE, VA 23324 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.23% |
| ROY MANGUM3 | 109 GULLANE SMITHFIELD, VA 23430 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| GLANDON INSURANCE AGENCY INC3 | 1100 LASKIN RD, STE 200 VIRGINIA BEACH, VA 23451 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 203491 DALLAS, TX 753203516 | AMERICAN HERITAGE LIFE COMPANY | $558 | — | $558 | 13.03% |
| DANNY R. OSTER3 Filed as: DANNY OSTER | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | AMERICAN HERITAGE LIFE COMPANY | $66 | — | $66 | 1.54% |
| JASON HEARD3 | 201 DEXTER STREET WEST CHESAPEAKE, VA 23324 | AMERICAN HERITAGE LIFE COMPANY | $59 | — | $59 | 1.38% |
| GLANDON INSURANCE AGENCY INC3 Filed as: GLANDON INSURANCE AGCY INC | 1100 LASKIN RD, STE 200 VIRGINIA BEACH, VA 23451 | AMERICAN HERITAGE LIFE COMPANY | $7 | — | $7 | 0.16% |
| ROY MANGUM3 | 109 GULLANE SMITHFIELD, VA 23430 | AMERICAN HERITAGE LIFE COMPANY | $6 | — | $6 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 203491 DALLAS, TX 753203516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $782 | — | $782 | 21.15% |
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 1.11% |
| JASON HEARD3 | 201 DEXTER STREET WEST CHESAPEAKE, VA 23324 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 1.00% |
| GLANDON INSURANCE AGENCY INC3 | 1100 LASKIN RD STE 200 VIRGINIA BEACH, VA 23451 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.14% |
| ROY MAGNUM3 | 644 INDEPENDENCE PKWY, STE 100 CHESAPEAKE, VA 23320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.11% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SER | PO BOX 203510 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $437 | — | $437 | 13.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 203491 DALLAS, TX 753203516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $425 | — | $425 | 21.25% |
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 1.40% |
| JASON HEARD3 | 201 DEXTER STREET WEST CHESAPEAKE, VA 23324 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 1.25% |
| GLANDON INSURANCE AGENCY INC3 | 1100 LASKIN RD, STE 200 VIRGINIA BEACH, VA 23451 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.15% |
| ROY MANGUM3 | 109 GULLANE SMITHFIELD, VA 23430 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.10% |
| WANADA BUSINESS SERVICES CORP.3 Filed as: WANADA BUSINESS SERVICES CORP | 5301 WISCONSIN AVE NW #210 WASHINGTON, DC 20015 | AMERICAN FIDELITY ASSURANCE COMPANY | $18 | — | $18 | 8.11% |
| VA AUTOMOBILE DLRS SVCS3 | C/O DON HALL RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $11 | — | $11 | 4.95% |
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 | 223 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 4 carriers) | GHMSI / CAREFIRST BLUECHOICE | 608 | $2.0M |
| Dental | DOMINION DENTAL SERVICES, INC. | 232 | $97K |
| Vision | THE GUARDIAN LIFE INS CO OF AMERICA | 127 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $22K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $61K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 95 | $37K |
| Prescription drug | GHMSI / CAREFIRST BLUECHOICE | 608 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.