| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID W HARLESS3 | 3412 MANOR GROVE CIR GLEN ALLEN, VA 23059 | AFLAC | $12K | $845 | $13K | 10.14% |
| PHILLIP A MCGLOTHLIN3 | PO BOX 354 LEBANON, VA 24266 | AFLAC | $1K | $2 | $1K | 1.07% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DR STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $928 | $158 | $1K | 0.83% |
| ROBERT E BLEVINS3 | PO BOX 39 DAMASCUS, VA 24236 | AFLAC | $800 | $87 | $887 | 0.68% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $593 | $192 | $785 | 0.60% |
| CHRIS LACKS3 | 4558 LITTLE RIDGE LN CHESTERFIELD, VA 23832 | AFLAC | $568 | $130 | $698 | 0.53% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $432 | — | $432 | 0.33% |
| MARVIN S THOMPSON3 | 118 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $318 | — | $318 | 0.24% |
| BENJAMIN O THOMPSON SR3 | 2012 GAMELAW COURT MIDLOTHIAN, VA 23113 | AFLAC | $299 | — | $299 | 0.23% |
| BONITA H WALKER3 | 1945 MAYLIN DR SALEM, VA 24153 | AFLAC | $298 | — | $298 | 0.23% |
| CHARLES BRITT BERRIER JR3 | PO BOX 722 WYTHEVILLE, VA 24382 | AFLAC | $265 | $23 | $288 | 0.22% |
| STEPHEN BROWSER3 | 3400 ONTARIO DR PRINCE GEORGE, VA 23875 | AFLAC | $207 | $1 | $208 | 0.16% |
| JOHN A HAWLEY3 | 1390 SOUTHSIDE DRIVE SALEM, VA 24153 | AFLAC | $155 | $13 | $168 | 0.13% |
| JUDY L MCCULLOUGH3 | PO BOX 907 BEDFORD, VA 24523 | AFLAC | $97 | $65 | $162 | 0.12% |
| FELICIA BAKER3 | 11800 WIESINGER LN MIDLOTHIAN, VA 23113 | AFLAC | $119 | $28 | $147 | 0.11% |
| MARGARET P WEEKLEY3 Filed as: MARGARET P. WEEKLEY | 172 ROSEN LN STAUNTON, VA 24401 | AFLAC | $113 | — | $113 | 0.09% |
| RICHARD L TUSING3 | 30 YORK CT STAUNTON, VA 24401 | AFLAC | $110 | — | $110 | 0.08% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $102 | — | $102 | 0.08% |
| STEPHEN L FOSTER3 | PO BOX 4334 CRS JOHNSON CITY, TN 37602 | AFLAC | $91 | — | $91 | 0.07% |
| CHRISTINA LERAY TRENT3 | 847 OLD AIRPORT RD APT 12 BRISTOL, VA 24201 | AFLAC | $83 | — | $83 | 0.06% |
| EWALD LESTER LIFE AGENCY3 | 180 S 4TH STREET SUITE 202 WYTHEVILLE, VA 24382 | AFLAC | $75 | — | $75 | 0.06% |
| JUDY L MCCULLOUGH3 | PO BOX 449 FOREST, VA 24551 | AFLAC | $75 | — | $75 | 0.06% |
| NANCY J KNOX3 | 209 AMANDA DR MARYVILLE, TN 37801 | AFLAC | $73 | — | $73 | 0.06% |
| RUTH YOUNG3 Filed as: RUTH P YOUNG | 677 BERKMAR CT CHARLOTTESVILLE, VA 22901 | AFLAC | $71 | — | $71 | 0.05% |
| GERALD B BURRUS3 | 2425 OLD OREGON TR PULASKI, VA 24301 | AFLAC | $57 | $13 | $70 | 0.05% |
| ADRIANNE GRINDSTAFF3 | 19406 HUNT CLUB RD ABINGDON, VA 24211 | AFLAC | $52 | $17 | $69 | 0.05% |
| TWILA D SHOWALTER3 | 2515 E MARKET ST STE E HARRISONBURG, VA 22801 | AFLAC | $69 | — | $69 | 0.05% |
| ROGER L PUCKETT JR3 | 302 W 5TH ST N BIG STONE GAP, VA 24219 | AFLAC | $64 | — | $64 | 0.05% |
| DEXTER N COUNTS3 | 147 GATEWAY DRIVE RICHLANDS, VA 24641 | AFLAC | $53 | $6 | $59 | 0.05% |
| EMMET HAWKINS3 Filed as: EMMET M HAWKINS | PO BOX 322 ABINGDON, VA 24212 | AFLAC | $58 | — | $58 | 0.04% |
| MELVIN R JONES3 | 3025 ELIOCH MANOR DR POWHATAN, VA 23139 | AFLAC | $58 | — | $58 | 0.04% |
| KENNETH BAILEY3 Filed as: KENNETH R BAILEY | 2121 MT TORREY ROAD LYNDHURST, VA 22952 | AFLAC | $57 | — | $57 | 0.04% |
| MICHAEL ANDREW KNOX3 | 209 AMANDA DR MARYVILLE, TN 37801 | AFLAC | $50 | — | $50 | 0.04% |
| MICHAEL T OSBORNE3 | 3782 ROSE RIDGE CLINTWOOD, VA 24228 | AFLAC | $48 | — | $48 | 0.04% |
| MICHAEL FATHERREE3 | PO BOX 36823 TUSCON, AZ 85740 | AFLAC | $46 | — | $46 | 0.04% |
| NPB INSURANCE SERVICES INC3 | 75 COMMONWEALTH AVE BRISTOL, VA 24201 | AFLAC | $44 | — | $44 | 0.03% |
| BRIAN CUMPTAN3 Filed as: BRIAN CLUMPTAN | 320 9TH STREET SUITE 200 HUNTINGTON, WV 25701 | AFLAC | $27 | $13 | $40 | 0.03% |
| MIL-LIN INC3 Filed as: MIL-LAN INC | 1640 W COMMONWEALTH DR FRONT ROYAL, VA 22630 | AFLAC | $39 | — | $39 | 0.03% |
| JACK L DURHAM3 | 3200 HUNTS BRIDGE CT MIDLOTHIAN, VA 23112 | AFLAC | $39 | — | $39 | 0.03% |
| CHRISTINA LERAY TRENT3 | 25 RISTO RD BRISTOL, VA 24201 | AFLAC | $37 | — | $37 | 0.03% |
| JOHN T JENKINS JR3 | 239 BANJO DRIVE HILTONS, VA 24258 | AFLAC | $36 | — | $36 | 0.03% |
| WILLIAM GLENN ROBINSON3 | PO BOX 81 MARION, VA 24354 | AFLAC | $23 | $11 | $34 | 0.03% |
| MARVIN S THOMPSON3 | 615 KERRI COVE CT APT 202 MIDLOTHIAN, VA 23113 | AFLAC | $33 | — | $33 | 0.03% |
| DONALD L LARSON3 | 1528 LOUISVILLE RD ALCOA, TN 37701 | AFLAC | $32 | — | $32 | 0.02% |
| DANIEL C WILSON3 | 465 SUMMERS ST NE ABINGDON, VA 24210 | AFLAC | $32 | — | $32 | 0.02% |
| CURTIS C DEACON3 | PO BOX 343 BUCHANAN, VA 24066 | AFLAC | $32 | — | $32 | 0.02% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LN VERONA, VA 24482 | AFLAC | $31 | — | $31 | 0.02% |
| MATTIE C MULLINS3 | 904 MILLERCREST DR JOHNSON CITY, TN 37604 | AFLAC | $28 | — | $28 | 0.02% |
| RICHARD H HILL JR3 | 8919 SIMPSON RD KNOXVILLE, TN 37920 | AFLAC | $25 | — | $25 | 0.02% |
| OSCAR G BLEVINS JR3 | BOX 66 DAMASCUS, VA 24236 | AFLAC | $23 | — | $23 | 0.02% |
| STEVEN E SELF3 | 302 LUTHER JACKSON DR MARYVILLE, TN 37804 | AFLAC | $21 | — | $21 | 0.02% |
| ROBERT W BLANKENSHIP3 | 441 WHISPERING PINES RD MAX MEADOWS, VA 24360 | AFLAC | $20 | — | $20 | 0.02% |
| DANA KRUSZ3 Filed as: DANA L KRUSZ | 1415 DOGWOOD RD STAUNTON, VA 24401 | AFLAC | $20 | — | $20 | 0.02% |
| STEVEN RODERICK BREEDING3 | PO BOX 338 ROSEDALE, VA 24280 | AFLAC | $20 | — | $20 | 0.02% |
| ROGER D JENNINGS3 | 680 FREEDOM DR MARYVILLE, TN 37801 | AFLAC | $19 | — | $19 | 0.01% |
| CURTIS C DEACON3 | PO BOX 343 BUCHANAN, VA 24066 | AFLAC | $18 | — | $18 | 0.01% |
| HENRY MOSES3 | 1459 MUD PIKE CHRISTIANSBURG, VA 24073 | AFLAC | $3 | $14 | $17 | 0.01% |
| MARY MILLER3 Filed as: MARY E MILLER | 2251 LAKE TERRACE DRIVE HARRISONBURG, VA 22802 | AFLAC | $17 | — | $17 | 0.01% |
| KENNETH R MEREDITH3 | PO BOX 13 2113 WEATHERFORD CREEK ROAD LUTTS, TN 38471 | AFLAC | $17 | — | $17 | 0.01% |
| LARRY W SHOWALTER3 | 2515 EAST MARKET ST SUITE E HARRISONBURG, VA 22801 | AFLAC | $15 | — | $15 | 0.01% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $15 | — | $15 | 0.01% |
| TIMOTHY WAYNE CARR3 | 1413 CRESCENT DR KINGSPORT, TN 37664 | AFLAC | $14 | — | $14 | 0.01% |
| CHARLES A HUTCHINSON3 | 2795 ROBERT C BYRD DR BECKLEY, WV 25801 | AFLAC | $14 | — | $14 | 0.01% |
| FREDERICK HARRIS JR3 Filed as: FREDERICK L HARRIS JR | 802 BUFFALO ST SUITE 14 JOHNSON CITY, TN 37604 | AFLAC | $12 | — | $12 | 0.01% |
| RICHARD L MARTIN3 | RT 3 BOX 63 DILLWYN, VA 23936 | AFLAC | $12 | — | $12 | 0.01% |
| JOHNNY D BLANKEN3 | PO BOX 18465 ASHEVILLE, NC 28814 | AFLAC | $12 | — | $12 | 0.01% |
| GEORGE BELCHER3 Filed as: GEORGE M BELCHER | PO BOX 761 HARRISONBURG, VA 22803 | AFLAC | $9 | — | $9 | 0.01% |
| SARAH ELLEN PARDUE3 | 390 FAIRWAY LN WYTHEVILLE, VA 24382 | AFLAC | $8 | — | $8 | 0.01% |
| KENNETH W TESTER3 | 179 CEDARBROOK CIRCLE BRISTOL, TN 37620 | AFLAC | $7 | — | $7 | 0.01% |
| FAY JETER MARTIN3 | 19220 FOREST ROAD LYNCHBURG, VA 24502 | AFLAC | $7 | — | $7 | 0.01% |
| CONNIE H HILL3 | 8919 SIMPSON RD KNOXVILLE, TN 37920 | AFLAC | $6 | — | $6 | 0.00% |
| SUSAN L COTTRELL3 | 75 MAHAN ROAD FARMVILLE, VA 23901 | AFLAC | $6 | — | $6 | 0.00% |
| ELIZABETH A COOK MILLER3 | 86 OLD LAUREL HILL RD VERONA, VA 24482 | AFLAC | $6 | — | $6 | 0.00% |
| THOMAS E HATCHER JR3 | 717 GREEN VALLEY RD STE 200 GREENSBORO, NC 27408 | AFLAC | $6 | — | $6 | 0.00% |
| VICKIE LOSNES3 Filed as: VICKIE Y LOSNES | 111 STROLLING TRL PONTE VERDA, FL 32081 | AFLAC | $6 | — | $6 | 0.00% |
| PHYLLIS DAWN HESLEP3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $5 | — | $5 | 0.00% |
| LEWIS K GATHRIGHT JR3 | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $5 | — | $5 | 0.00% |
| BRITTA MARTIN3 | PO BOX 3986 CHESTER, VA 23831 | AFLAC | $5 | — | $5 | 0.00% |
| RONALD HEVENER3 Filed as: RONALD B HEVENER | 1557 COMMERCE RD SUITE 203 VERONA, VA 24482 | AFLAC | $4 | — | $4 | 0.00% |
| RONALD HEVENER3 Filed as: RONALD B HEVENER | 1146 ADIAL RD FABER, VA 22938 | AFLAC | $4 | — | $4 | 0.00% |
| RONALD E KIRKLAND3 | 4 SOTHEBY PL SE GURLEY, AL 35748 | AFLAC | $4 | — | $4 | 0.00% |
| BONNIE L TAFT3 | 179 HOLSTEIN LANE TOMS BROOK, VA 22660 | AFLAC | $4 | — | $4 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS H THOMPSON | 1911 OAKENGATE LANE MIDLOTHIAN, VA 23113 | AFLAC | $4 | — | $4 | 0.00% |
| DAVID R CHARLES3 | 214 WINDRIDGE COLONY JOHNSON CITY, TN 37601 | AFLAC | $4 | — | $4 | 0.00% |
| TERRY J SILVERS3 | 100 GREENLEAD DR FLAT ROCK, NC 28731 | AFLAC | $3 | — | $3 | 0.00% |
| CITY INSURANCE PROFESSIONALS3 | PO BOX 1126 CHARLESTON, WV 25324 | AFLAC | $3 | — | $3 | 0.00% |
| BRANDON L MILLER3 | 320 9TH ST STE 200 HUNTINGTON, WV 25701 | AFLAC | $3 | — | $3 | 0.00% |
| WILFRIED L SMITH3 | PO BOX 21471 ROANOKE, VA 24018 | AFLAC | $2 | — | $2 | 0.00% |
| DIANNA KIRK3 | 1025 SHAWNEE TRAIL ELKVIEW, WV 25071 | AFLAC | $2 | — | $2 | 0.00% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $2 | — | $2 | 0.00% |
| MARK WARE3 | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL HOWARD WEEKS | 1480 EAST MAIN STREET SUITE 404 WYTHEVILLE, VA 24382 | AFLAC | — | $1 | $1 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WEST VIRGINIA LLC | PO BOX 1126 CHARLESTON, WV 25324 | AFLAC | $1 | — | $1 | 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 | 185 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 185 | $131K |
| Other | AFLAC | 185 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
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.